FHA VS Conventional loan in Otsego, Allegan County, Michigan

For the year 2025, the conventional loan limit in Otsego, located in the county of Allegan, MI, is $726,200. At the same time, the FHA loan limit for a single-family home is $472,030.

With Lendersa® Conventional loan calculator, you can compare the best rates of Conventional, FHA, and USDA loans today. Assess the income, credit, reserves, and paperwork required to qualify. Our advanced mortgage calculator offers a side-by-side look at Conforming Conventional loans, FHA, VA, and USDA, helping you choose the most suitable program for your specific needs in MI.

Evaluate loan proposals from a hundred lenders

Loan limits and down payment details for 2025 in Otsego, in the county Allegan, MI

Loan Type Max Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table applies to these zip codes: 49078

Options for Conventional and FHA loans in Otsego, MI

The mission of Lendersa® is to offer you the best Conventional, USDA, or FHA loan quickly and with minimal fuss. Choose from three options to connect with the right lenders and loan programs.

Results for Lendersa USDA loan requests


  • United Financial Services.
  • 24301 Southland Dr, Suite 409, Hayward, CA, 94545
  • United Financial Services (UFS) provides private direct loans. We provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called “hard money” can be used for the purchase or refinance of non-owner occupied residential properties, financing of renovation projects, and bridge funding.
  • Golden Century Financial Services
  • 2185 Glenkirk Drive, San Jose, CA, 95124
  • Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
  • American Pacific Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
  • Cedar Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
  • Cal State Realty & Mortgage
  • 4682 Macbeth Avenue, Fremont, CA, 94555
  • I serve Northern California, from Sacramento down to the Bay Area to the Central Valley. I work with my clients in their real estate investment starting with buying or selling (residential and commercial), marketing our office listings through various strategies/media tools, financial mortgages and much more.
  • Holmgren & Associates
  • 4200 Broadway, Oakland, CA, 94611
  • Holmgren & Associates has built a strong reputation as a trusted, independent mortgage provider in the Bay Area. Established in 1989.We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to construction lending
  • LaSalle Mortgage
  • 4200 Broadway, Suite 2, Oakland, CA, 94611
  • Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial. We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
  • Greater Bay Mortgage Co
  • 1980 Mountain Blvd., Suite 209, Oakland, CA, 94611
  • Greater Bay Capital and Greater Bay Mortgage team up to provide full service mortgage banking products and services.Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Outstanding Investment Company Inc
  • 2450 Washington Avenue, Suite 100, San Leandro, CA, 94577
  • If today's unrealistic credit requirements and housing regulations are making it impossible for you to get money out of your home then OIL is here for you. At OIL we understand that each individual borrower has individual circumstances. we are an Outstanding Investment Lending and we want to work with you.
  • Lane Mortgage, LLC
  • 604 Oakes Boulevard, San Leandro, CA, 94577
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Cushman Rexrode Capital Corporation
  • 1437 Leimert Blvd, Suite C, Oakland, CA, 94602
  • Cushman Rexrode Capital Corporation Originate first and second loans and service mortgage investments for our private and pension plan customers. Arrange permanent loans, construction loans, take-out loans on residential and commercial loans in California Buy existing notes secured by Trust Deeds.
  • Zeitro LLC
  • 385 Moffet Park, Suite 105, Sunnyvale, CA, 94089
  • "Zeitro is digitizing the mortgage industry with AI technology, connecting borrowers, lenders and other stakeholders within a virtual ecosystem. Our data driven process searches through all available options to find the most competitive rates. Now everyone is just a few clicks away from their perfect match."