FHA VS Conventional loan programs in 2026 for St.-Louis, Gratiot County, Michigan
In 2026, the Conventional loan limit for St.-Louis in Gratiot county, MI, stands at $647,200. Meanwhile, the FHA limit for a single-family home reaches $420,680.
Lendersa® offers a Conventional loan calculator to evaluate today's optimal rates for Conventional, FHA, and USDA loans. It helps assess requirements for income, credit, reserves, and necessary documents. Our advanced mortgage calculator presents side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, aiding your decision-making process for the most suitable program in MI based on your financial needs.
2026 Loan Limits and Down Payment Requirements in St.-Louis, Gratiot County, MI
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table is valid for the following zip codes: 48880
Options for Conventional and FHA Loans in St.-Louis, MI
The goal of Lendersa® is to promptly provide the best possible Conventional, USDA, or FHA loans without hassle. Choose one of three starting points to connect with matching lenders and loan programs.
Dow Chemical Employees’ Credit Union was the 182nd credit union organized in the State of Michigan.
In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit.
2400 South Isabella Road, Mount Pleasant, MI, 48858
Lends in Michigan
Isabella Community Credit Union (ICCU) is a not-for-profit financial cooperative providing quality financial products and personal service to its members in the Central Michigan area. Those who live or work in Isabella, Osceola, Clare, Gladwin, Midland, Gratiot, Montcalm and Mecosta counties are eligible to join!
When you open your account with MFCU, you become a member & owner of the credit union.At MFCU, we believe in you.Our promise is to be trustworthy, caring & enthusiastic to help you succeed. It comes naturally to us to listen carefully & build relationships in order to not only find solutions,but also minimize financial stress and maximize happiness
Welcome to United Financial Credit Union, established in 1964, your full-service, not-for-profit financial cooperative. We are owned and operated by members – so we comprise a family-like organization. Credit Union, established in 1964, your full-service, not-for-profit financial cooperative.
Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors or self-employed persons who regularly work in Healthcare Industry in the State of Michigan.Also, spouses of persons who have died while within the Healthcare Industry; employees of the credit union; retirees from the healthcare industry.
Lake Huron Credit Union was established in 1959. We strongly believe in our mission to provide our members with various financial services which enable them to enjoy a richer and fuller quality of A full-service financial institution serving the Saginaw, Bay, and Midland communities with 2 convenient locations in Kochville Township and Saginaw Town
Team One Credit Union was originally organized by a group of 15 teachers as Saginaw Teachers Club Credit Union in 1935. Formed to fill a need as a place where teachers could receive financial assistance at reasonable rates, the purpose of this credit union was, and is, to encourage thrift (savings) among our members.
Wanigas Credit Union is a member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership. Services like mobile banking that include mobile loan applications, mobile check deposit, mobile bill pay and more.
Community First Federal Credit Union was founded in Lakeview, Michigan in 1985. We opened our second branch in Howard City, Michigan in 2009. The third branch, located in Trufant, Michigan, opened in 2012. In 2018, we opened our fourth branch in Morley, Michigan.We are a part of Xtend, a share branching network.
