USDA Vs. FHA Pro and Con comparison in Allendale, Ottawa County, MI
In 2026, the USDA loan limit in Allendale, situated in the county of Ottawa, MI, is $336,500. Conversely, the FHA limit for a single-family home is set at $472,030.
Use the Lendersa® USDA loan calculator to compare today's leading rates between USDA and FHA options, determining the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, guiding you in selecting the best program in for your financial condition.
2026 Loan Limits and Downpayment Requirements in Allendale, County of Ottawa, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
USDA and FHA Loan Choices in Allendale, MI
Lendersa® strives to connect you with the perfect USDA or FHA loans efficiently and without hassle. Choose one of three starting paths that align you with suitable lenders and USDA loan options.
The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages do not require any down payment at all.
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