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.
We started Local Mortgage to bring something different to the mortgage market. For a while now, customers have had to choose between low rates with technology driven companies, generally sacrificing on service or getting typically higher rates from local loan officers that sometimes offer a higher level of service than their online counterparts.
We are a Lender, not a Broker. All loan decisions and fundings are handled by our in-house staff. By cutting out the middle person, most of the time known as a broker, you get better rates, faster answers, and lower closing costs. We encourage and empower our loan officers to issue “same day” approvals;
In 1951, seven Lockheed Georgia employees dreamed of a better way to bank and LGE Community Credit Union was born. Today we serve communities in Northwest Georgia as a not-for-profit financial institution. Unlike a bank, whose profits go to its shareholders, our profits go to our members in the form of better rates and lower fees.
BrightPath Mortgage, we provide a wide range mortgages to ensure that our valued customers have access to the best interest rates and loan terms. Our dedication to your complete satisfaction means that your needs are our ultimate priority. For borrowers who are preparing to relocate or are involved in out-of-state real estate investing,
WinSouth Credit Union is a cooperative financial institution, owned & controlled by the people who use its services. These people are members. WinSouth Credit Union serves groups that share something in common, such as where they work, live or go to church. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members.
The Kennedy VA Employees Federal Credit Union was founded to serve the employees of Kennedy Veterans Administration Medical Hospital in Memphis, TN.
Over the years the Credit Union has grown into a very well-capitalized financial institution offering members various ways to save, including offering a variety of checking accounts and loans.
Methodist Healthcare Federal Credit Union was originally chartered in 1960 to serve the needs of Methodist Healthcare employees. Today, our credit union family has been extended to include all Methodist employees, Methodist affiliated groups, and the families of each of our members.
Oxford Federal Credit Union is a not-for-profit financial institution that is owned and run by members like you. Our board of directors is democratically elected by our membership, and all members of Oxford FCU have one vote - regardless of the amount of money they have on deposit.
