USDA VS FHA in Algonac, St. Clair County, MI

In 2025, the USDA loan limit for Algonac, in St. Clair County, MI, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to assess and compare today's top USDA and FHA rates. Determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA programs side by side, aiding your decision for the most suitable loan for your financial needs in .

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Loan Limits and Downpayment Requirements for 2025 in Algonac, St. Clair County, MI

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

USDA and FHA Loan Options in Algonac, MI

The mission at Lendersa® is to secure the best USDA or FHA loan for you efficiently and without hassle. Start with any of three options to find matching lenders and USDA loan programs.

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Understanding USDA Loans in MI

USDA home loans, backed by the Department of Agriculture, also known as USDA rural development loans, are available only in rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • McLellan Financial Mortgage
  • 714 North Main, Suite 101, Rochester, MI, 48307
  • McLellan Financial Mortgage opened its doors in 2000. Over the course of more than 20 years, our team has helped hundreds of people secure their first home equity mortgage loans, refinance their current home equity mortgage loans, or secure commercial mortgage loans. With the most personal service available.
  • Somerset Lending Corp
  • 640 W University Dr, Rochester, MI, 48307
  • At Somerset Lending we pride ourselves on being an active participant in the community. We are passionate about helping people get into new homes as well as make their current mortgages more affordable.Our passion is to bring awareness that changes people’s lives.Somerset Lending Corp can help you achieve your goals.
  • Advantage Lending Corp.
  • 804 N Main St, Suite 1A, Rochester, MI, 48307
  • Advantage Lending Corp is a Michigan based mortgage broker located in Rochester. We love helping people buy and refinance homes all the while offering interest rates that are lower than the national average and client service that exceeds expectations. people buy and refinance homes .
  • Alliance Catholic Credit Union
  • 255 East Maple Road, Troy, MI, 48083
  • Alliance Catholic Credit Union was formed in 2013 through a merger of two credit unions: First Catholic Federal Credit Union and Michigan Catholic Credit Union.Both Credit Unions were built from small and large parishes with dedicated parishioners seeking a trusted financial option grounded in a foundation of faith.
  • Polish-American Federal Credit Union
  • 2889 E Maple Road, Troy, MI, 48083
  • Polish-American Federal Credit Union offers a full-menu of products and services to improve the financial well-being of its members. Serving Metro Detroit Polonia since 1976, PAFCU features highly-competitive loans and savings rates, including one of the best Visa Cards in the country.
  • Xcel Funding LLC
  • 671 East Big Beaver Road, Troy, MI, 48083
  • Xcel Funding specializes in professional business services that include small business loans, hard money lending, credit repair services, group health insurance and more! We consult with businesses and individuals to help grow their business and secure the right capital to maximize cashflow.
  • LLG
  • 850 Stephenson Highway, Suite 405, Troy, MI, 48083
  • Local Lending Group’s vision is to see all loans provided by someone living in the community where you live, a company that understands best the needs of your community. Our lending officers live in the community where we directly lend, we partner with local lenders to deliver our programs where we do not have offices,
  • Demetris Holloway, Mortgage Loan Officer
  • 3150 Livernois, Suite 312, Troy, MI, 48083
  • Demetris is a born and raised Detroiter Now serving as a Senior Loan officer and partner at Shoreline Mortgage, Inc, Demetris has made himself familiar with all aspects of the industry His hard work and enthusiasm speak for itself and after being in the industry for 7+ years, Demetris has been a top-producer for retail and wholesale lenders
  • National Mortgage Home Loans LLC
  • 637 East Big Beaver, Suite 213, Troy, MI, 48083
  • The National Mortgage Home Loans Team is comprised of professionals with diverse backgrounds who have carefully been selected to bring strength and skill to our team. Our professionals have developed a reputation for their ability to obtain repeat business by always providing high quality service, second to none!
  • Reliance Financial Group Inc
  • 3501 Rochester Road, Troy, MI, 48083
  • Reliance Financial Group uses the Latest, Secure technologies to Communicate, Pre-qualify, Apply and Close on your loan in the quickest turnaround times. Every employee strives towards giving you quality service and a high level of communiction that keeps you updated & informed every step of the way.
  • Connect Mortgage Funding Inc
  • 525 East Big Beaver Road, Suite 303, Troy, MI, 48083
  • Our nationwide Lending Connections and our local professional Mortgage Brokers allow us to offer our clients a tailored no-hassle mortgage to fit every need and every budget. We attract clients and employees that respect the dedication of an ethical, moral, and professional job well done, we believe that is the ONLY way to do business.
  • Towne Mortgage Company
  • 2170 E Big Beaver Rd, Suite A, Troy, MI, 48083
  • "The Towne Mortgage family of companies'​ mission is to always put our customers first. We pride ourselves on providing superior customer service and work diligently to ensure that we exceed each of our customer’s expectations. We're hiring! Headquartered in Troy, Michigan with over 30 years of experience,"