USDA Vs. FHA your options comparison in Battle-Creek, Calhoun County, MI

As of 2026, the USDA loan limit for Battle-Creek, located in the county of Calhoun, MI, is $285,000. In comparison, the FHA limit for a single-family residence is set at $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates, helping you establish the required income, credit score, reserves, and documentations needed for qualification. Our advanced mortgage calculator enables a side-by-side assessment of USDA, FHA, Conforming, and VA loans, facilitating the process of determining which program best aligns with your financial needs in .

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2026 Loan Limits and Downpayment Requirements for Battle-Creek, Calhoun, MI

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

Exploring USDA and FHA Loan Opportunities in Battle-Creek, MI

The goal of Lendersa® is to secure the best possible USDA or FHA loan quickly, without hassle. Opt for one of three initial starting points that guide you to lenders and the USDA loan programs.

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Defining What a USDA Loan Is in MI

USDA home loans, guaranteed by the Department of Agriculture, are often called USDA rural development loans or USDA mortgages. They are exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages don't require any down payment, presenting an accessible opportunity for eligible applicants in rural settings.

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



  • Benefit Mortgage Lending Group, Inc.
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  • At Benefit Mortgage Lending Group, Inc. We are a full-service mortgage company based in Seal Beach, CA. We specialize in Home Purchase Loans and Refinance in Seal Beach. We also serve the surrounding cities in Orange County. Whether you are buying a home or refinancing in the zip code 90740, we can help you realize your dream of homeownership
  • Tressa Pope
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  • With over 20 years of experience in the mortgage industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. Working with me, you’ll receive: Professional advice and support in making your home financing decisions
  • Logix Federal Credit Union
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  • Logix was founded as the Lockheed Aircraft Federal Credit Union in 1937, during the height of the Great Depression. As we grew, we were able to serve many more elements of our communities, to such an extent that Lockheed employees became only a small fraction of our membership. So in 2012, we changed our name to Logix.
  • National Home Preservation Center
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  • UMe Credit Union
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  • U + Me. That’s our not-so-secret sauce. We care about the things that matter to you—family, friends, that comfy old pair of shoes you can’t throw away even though one of them has a hole (no judgment). As a Burbank institution, we’ve been committed to our community since 1940. And through our long history.
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  • The Mortgage Group is a family run business since 1995. After working for and managing other mortgage companies for many years, Gary Hatch started his own company, The Mortgage Group, in 1995. In early 2000, his daughter, Christine, joined the company. In 2006, the responsibility of running the company was transferred to Christine.
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  • SDC Capital has over 35 years of bridge lending and real estate development experience.
  • Aztec Financial
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