USDA Vs. FHA your options comparison in Auburn-Hills, Oakland County, MI

For 2026, the USDA loan limit in Auburn-Hills, located in the county of Oakland, MI, is $285,000, while the FHA limit for a single-family home stands at $356,362.

Utilizing the Lendersa® USDA loan calculator allows you to compare today's competitive USDA versus FHA rates. This tool evaluates the required income, credit, reserves, and documentation to determine qualification. Our advanced mortgage calculator makes it possible to view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the ideal program in that suits your financial situation best.

Review loan offers from a selection of 100 lenders

2026 Loan Limits and Down Payment Needs in Auburn-Hills, County of Oakland, MI

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conforming Conventional $548,250 3%

USDA and FHA Loan Options in Auburn-Hills, MI

Lendersa® is committed to helping you obtain the most advantageous USDA or FHA loans quickly and with reduced hassle. Begin with one of three paths that lead to matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

The USDA home loan, backed by the Department of Agriculture, is also known as the USDA rural development loan or mortgage, designed specifically for rural areas. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans do not mandate any down payment.

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



  • Evolution Mortgage Inc
  • 140 Adams Avenue, Suite A5, Hauppauge, NY, 11788
  • Our team is local to Long Island, and as CPA’s we make sure we get you the loan product that makes the most financial sense for you. We curate a process that is tailored to you and explain where every cent of your money goes because we always do the right thing by our clients. Take advantage of our historically low rates, refinance.

  • Coltrain Funding Group LLC
  • 140 Fell Court, Suite 101, Hauppauge, NY, 11788
  • Coltrain Funding Group LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Home Reliance Capital
  • 145 Marcus Blvd Suite 4, Hauppauge, NY, 11788
  • Our mortgage rates have consistently been some of the most competitive in New York, if not the lowest. Our success is based upon our strong level of commitment to our clients. We take the time to get to know you through personal attention and communication.We remember that we work for YOU, not the other way around.

  • RCG Mortgage
  • 490 Wheeler Rd, Suite 252, Hauppauge, NY, 11788
  • Mortgage broker based in Long Island, New York who prides themselves on their transparency, accountability, and ability to provide a "Nordstrom" experience with the efficiency of a "Ford" assembly line. RCG works with all clients, no matter what their financial goals may be.RCG Mortgage is your online resource for personalized mortgage solutions.

  • Northwoods Credit Union
  • 1702 Avenue B, Cloquet, MN, 55720
  • Northwoods Credit Union has 2 offices in Cloquet, one in Floodwood and one in Moose Lake. We started out as Northwest Paper Company Employees Credit Union back in 1936 & we have grown to serve all those who live, work, worship, attend school, or volunteer in Carlton, Pine, or St Louis County! We offer big bank products with local, hometown service.

  • Members Cooperative Credit Union
  • 1299 MN-33 S., Cloquet, MN, 55720
  • At MCCU, we strive to be the primary, positive financial influence in the lives of our members/owners. That’s our mission. You’ll see it in everything we do for you. Imagine doing business with an organization that truly has your best financial future as its number-one goal. That’s our mission

  • Elysian Bank
  • 121 E Main St, Elysian, MN, 56028
  • At Elysian Bank we know you by name and provide fast, friendly service. We are a full service Minnesota bank providing the best in small town friendly atmosphere with professional banking services. When you bank with us, you’re doing business with people you know and trust. nd because we’re a local, independent bank, we’re able to respond quickly.

  • BANK OF NEW MADRID
  • 229 Main Street, New Madrid, MO, 63869
  • Bank of New Madrid had approximately five employees with manual typewriters, adding machines and posting machines to assist in the daily work. Electric typewriters and adding machines, as well as proof machines and photo copiers, came much later. The latest addition, computer and data processing equipment as well as electronic handling of transacti

  • Right By You Mortgage
  • 130 Edinburgh South Drive, Suite 100, Cary, NC, 27511
  • Right By You Mortgage by Fidelity Bank is a full service mortgage lender with 56 convenient mortgage loan offices in North Carolina and Virginia. We take pride in our personalized service, competitive products, & easy process.

    Whether you’re shopping for your very first home or your fourth, refinancing, or starting construction of your dream h

  • G & M Services Unlimited
  • 206 New Edition Court, Cary, NC, 27511
  • G&M Services Unlimited, Inc., which was founded in 2002, with what began as our Managing Partner’s desire to assist a local church, utilizing his background in finance. It has since grown to more than a decade of originating commercial loans, including all areas of commercial lending.

  • Eastern Funding Group LLC
  • 1140 Kildaire Farm Road, Suite 308-4, Cary, NC, 27511
  • Eastern Funding Group is an independent, full service mortgage broker specializing in purchase loans, home equity lines of credit, refinancing, and creative lending solutions. Eastern Funding Group is recognized as an industry leader, with a reputation for integrity, honesty, and consistency

  • Carolina Mortgage Authority Inc
  • 107 Edinburgh South Drive, Suite 202, Cary, NC, 27511
  • Carolina Mortgage Authority is a low rate, low fee North Carolina Corporation with offices located in Cary and Carolina Beach. We proudly service clients from the Triangle to the Coast & throughout NC and Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.