USDA Vs. FHA your options comparison in Bay-City, Bay County, MI
As of 2025, the USDA loan limit for Bay-City in the county of Bay, MI stands at $285,000. Meanwhile, the FHA limit for single-family homes is $356,362.
Utilize the Lendersa® USDA loan calculator to analyze current USDA versus FHA rate options and identify necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the most suitable program for your financial needs within .
Lending limits and downpayment details for 2025 in Bay-City, county of Bay, MI
Type of Loan
Maximum Loan
Down Payment Required
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA loan options in Bay-City, MI
At Lendersa®, our mission is to secure the most advantageous USDA or FHA loan for you quickly and effortlessly. Choose from one of three pathways to align with suitable lenders and USDA loan schemes.
A USDA home loan, backed by the government, is known as a USDA rural development loan or USDA mortgage and is exclusive to rural areas. While FHA loans require a minimum down payment of 3.5%, USDA mortgage loans offer a no down payment requirement.
8899 S 700 E, Suite 12511075 S. State Street, Building 3, Sandy, UT, 84070
Laser Lending is part of the parent company Larson Real Estate Services He started his career selling new home construction in 1993. Later, he started Larson & Company Real Estate which continues to thrive today. With a desire to offer his clientele a solid mortgage option, he created Laser Lending in 2009. To round out his real estate offerings.
American Loans and Mortgage, we are all about creating and finding solutions for anyone and everyone who needs a loan to reach their goals. and also the best rates and programs, and get you the best loan for your particular situation. We promise to provide you with the most comprehensive communication and the lowest mortgage rates.
Atlas Mortgage Solution offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers. We are constantly striving to keep our process streamlined and user friendly. We want all borrowers involved to feel informed and cared about every step of the way.
South Towne Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20+ years of experience and knowledge in the mortgage industry.
Today’s hyper-competitive market requires companies to be nimble, innovative, and flexible. Our experienced leadership allows us to make decisions quickly and build a culture around these key principals: operational excellence drives value, and technology drives opportunity.We are a mortgage company that does things a little bit differently.
RANLife is a leader in residential lending.With our in-house staff and direct lender relationships with Fannie Mae, Freddie Mac, and Ginnie Mae, we've eliminated the middleman.RANLife runs all of our operations from Sandy, Utah greater Salt Lake City metropolitan.We have in-house processors, underwriters, funders, and closers available at all times
M5 Commercial Funding is a lending network which connects residential loan officers and mortgage brokers with the best commercial lending programs. Our team has over 30 years’ experience financing commercial property across the United States. M5 Commercial Funding is located at 4, 500 ft above sea level, in the silicon slopes of the Rocky Mountains
