USDA Vs. FHA your options comparison in Birmingham, Oakland County, MI
As of 2026, the USDA loan limit for Birmingham, within the county of Oakland, MI, stands at $336,500. In comparison, the FHA limit for a single-family home is set at $472,030.
Use the Lendersa® USDA loan calculator to weigh today's USDA against FHA best rates, determining the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA options, aiding your decision for the best program in suiting your financial needs.
2026 Loan Limits and Downpayment Requirements in Birmingham, County of Oakland, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
USDA and FHA Loan Options in Birmingham, MI
The mission of Lendersa® is to secure the best possible USDA or FHA loans efficiently and without stress. Choose one of three entry paths that guide you to compatible lenders and USDA loan programs.
A USDA home loan, a government-supported financial product from the Department of Agriculture, is commonly called the USDA rural development loan or USDA mortgage. It is exclusively available in rural regions. Unlike FHA loans that require a 3.5% down payment, USDA mortgages do not require any down payment.
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