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.

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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.

Matching results from Lendersa USDA loan requests


  • Susquehanna Valley Federal Credit Union
  • 3850 Hartzdale Drive, Camp Hill, PA, 17011
  • "At SVFCU, we are Empowering our Community for Life’s Journey by Building Lifelong Partnerships to find Dynamic Solutions while being Personal, Knowledgeable, and Dedicated to Service!

    Our mission is to provide quality financial services for our membership at competitive prices while at the same time working to ensure the safety

  • Falcon Mortgage, Inc.
  • 2830 Sunset Drive, Camp Hill, PA, 17011
  • Falcon Mortgage, Inc. was established with the mission of creating extraordinary mortgage solutions for the citizens of PA. That mission continues to be a driving force through today. Falcon Mortgage has always sought out the nation’s most creative & responsible lenders.This enables us to be one of the nation’s most respected mortgage brokers.

  • MONEYLINE LENDING LLC
  • 3913 Market Street, Suite A, Camp Hill, PA, 17011
  • MoneyLine Lending has an excellent track record for providing expert service whether you're looking to purchase a new home or improve cash flow by refinancing.
    Our team here at Moneyline Lending is small but strong. We are driven by our clients and we have a cohesive system which enables us to work within time constraints while still providing.

  • Tidewater Mortgage Services, Inc.
  • 3920 Market Street, Camp Hill, PA, 17011
  • Tidewater, we treat our employees like family. We believe in positive thinking and we take pride in each member of our team and clients. We’re always looking for participating in bigger, better opportunities to achieve all professional and personal goals. We also believe strongly in giving back to the community.

  • West Metro Schools Credit Union
  • 1001 Highway 7, Room 249, Hopkins, MN, 55305
  • West Metro Schools Credit Union was formed December 31, 2008 with the merger of Hopkins Schools Credit Union and Edina Schools Credit Union. Membership is open to all employees of Hopkins, Edina and Wayzata Public Schools, their families and household members. Students of Hopkins and Edina school districts are eligible also.

  • Envision Capital, Inc
  • 10590 Wayzata Blvd, Suite 160, Minnetonka, MN, 55305
  • Envision Capital is the dependable place to go when in need of a home loan.

    Our expert loan officers are readily available to find their clients competitive rates to finance a home purchase. Mortgage fees are often less than other lenders given that the Envision Capital model facilitates minimal overhead.

  • Bank of Jamestown
  • 400 Monument Square, Jamestown, KY, 42629
  • Bank of Jamestown has been committed to serving this area since 1899 and nothing has changed about that. We are more committed than ever to our community and customers. We are continually investing in new technology to better meet the needs of our customers. We are a locally-owned

  • Lankford Capital
  • 12747 Olive Blvd, Saint Louis, MO, 63141
  • At Lankford Capital, we provide customized lending solutions and debt advisory services to real estate investors and developers at every stage of their journey. Specializing in direct lending for 1-4 unit, non-owner-occupied residential properties with loan amounts from $100,000 to $5 million, we empower investors with the capital needed to scale t