USDA Vs. FHA your options comparison in Bay-City, Bay County, MI
As of 2026, 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 2026 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.
400 North Princeland Court, Suite 2-3, Corona, CA, 92879
American Inland Realty specializing in mortgage loan servicing. American Inland Realty Provide a superior level of customer relations and service, and ensure compliance. Maintain quality control to ensure all loans run smoothly and efficiently. American Inland Realty Established in 2009.
650 East Parkridge Avenue, Suite 110, Corona, CA, 92879
New Venture Capital, we are a highly referred real estate agency because we always put the needs of our clients first. Whatever you need, our team is available to make the home buying or selling process easier for you. Should you need anything notarized, we also have a notary public on-site. We are also bilingual. Hablamos Espanol.
Pinpoint Lending is located in Corona, CA. We are an industry leader in providing extraordinary mortgage products & services. Our commitment is to provide and follow the best lending practices and guidelines. We protect each and every borrower in the short- & long-term with mortgage product and solutions to meet their needs.
1265 Corona Pointe Court Suite 300, Corona, CA, 92879
"Our corporate headquarters is located in beautiful Corona, California, where our employees enjoy the best the
southland has to offer. Bordering Orange County, the Inland Empire Corporate location is within proximity to
Los Angeles, San Diego and Palm Desert where you can enjoy theater, fine dining and exciting night life."
When we first chartered in 1964 as Oregon Employees Federal Credit Union, our mission was to serve the state employees of Salem. We’ve grown from $40, 000 in founding member assets to nearly $116 million today. We now serve close to 9, 000 members. Our Mission is to Standing tall to deliver value and innovative financial solutions to our community.
At Willamette Valley Bank, we do things differently. Unlike the big out-of town money center banks, we have built our reputation on our commitment to the families and businesses of the Willamette Valley. We listen to what our customers want and we work to provide it- locally and personally.
2195 Hyacinth Street Northeast, Suite 191, Salem, OR, 97301
Mighty Mortgage home loans is an independent locally owned mortgage broker located in Salem, Oregon. Our goal is to provide you with superior, concierge level customer service at an exceptional value. We do this by specializing exclusively in Oregon home loans to qualified borrowers. If you need a residential home loan in Oregon.
Our focus on lifelong learning is a result of our proud history as an educators’ credit union, dating back to our start in 1935. While the tools we use to provide lifelong learning have changed throughout our over 75 years in business, the spirit of our commitment has not. You're different. So are we. “Different” is what changes the world.
