In 2026, the USDA loan limit for Alma in Gratiot County, MI, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to analyze and compare today's leading USDA and FHA rates. Determine the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side to decide which program in is best suited to your specific financial needs.
2026 Loan Limits and Downpayment Requirements in Alma, County of Gratiot, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Options for USDA and FHA Loans in Alma, MI
The aim of Lendersa® is to quickly provide you with the most suitable USDA or FHA loans. Select one of three starting methods to connect with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also called the USDA rural development loan or mortgage, is specific to rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages do not require any down payment.
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