During the year 2026, the USDA loan cap in Berkley, located within Oakland county, MI, is set at $336,500, whereas for the FHA, the maximum is $472,030 for a single-family residence.
Lendersa® provides a USDA loan calculator for directly comparing today's optimal rates between USDA and FHA loans, helping you understand the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator enables simultaneous viewing of USDA, FHA, Conforming, and VA options to assist in determining which loan type in aligns best with your financial needs.
Loan Limits and Downpayment Requirements of 2026 in Berkley, Oakland, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Berkley, MI
The mission of Lendersa® is to secure the most advantageous USDA or FHA loan for you quickly and without complications. Choose one of three initial approaches that facilitate matching loan providers with USDA options.
USDA home loans, also called USDA rural development loans or USDA mortgages, are government-backed by the Department of Agriculture and specifically available in rural settings. Unlike FHA loans, which stipulate a 3.5% minimum down payment, USDA loans require no down payment at all.
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Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Five Star Financial LLC founder of the Joshua Nielsen-Mayer for over fifteen years, I have helped my clients in navigating the often overwhelming process of obtaining a mortgage for their home. As an expert in all aspects from Origination options and underwriting guidelines whether it is a Purchase or Refinance, FHA, VA, or Conventional.
At Bennett Mortgage Group, our mission is to serve our customers with honesty, integrity, and proficiency. Our goal is to provide home loans to our clients with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Trinity Mortgage USA, Inc, is a product of a combined 50 years of mortgage and real estate experience. Our success is a direct reflection of how we treat all of our clients from beginning to end. We believe that without the one to one personal communication with our clients. Our main goal is to destress the process for our clients.
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PRIME TIME MORTGAGE loan officer, specialize in FHA, Conventional and VA mortgages. I work with all homebuyers: first time owners, those refinancing current properties, and seniors in the mortgage process. and also It is my commitment to provide the highest level of customer service to my clients. To be available and accomodating at all times.
Florida Home Trust Mortgage, Inc. is a premier Florida-based, privately held mortgage lender, providing loans to residential and commercial borrowers in the greater Weston, Fl area. FHT operates as a financing boutique with a fiduciary heritage equipped with lending resources highly focused on executing conventional
