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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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