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.
401 South Old Woodward Avenue, Suite 333, Birmingham, MI, 48009
Lends in Michigan
So, this is how we roll — you are dealing directly with me, Keith Lewis and my assistant Angela on every transaction and we have been in the mortgage business together since 1996. Wow, that is a long time. We help guide you through an extremely complicated process seamlessly and in a manner that is best for your lifestyle.
Swift, it’s not just about what we do, but why we do it. With over 30 years of Mortgage experience, our mission is to ensure a trustworthy and tailor-made mortgage solution each and every time.We are firm built on old school values with a new age way of operating. By leveraging technology
Best Rate is a Michigan-based mortgage company specializing in home loans and mortgage refinancing with historically low interest rates. Fadi as a mortgage broker in Michigan for every single one of our clients is to have an experience so good that you can’t wait to tell your friends and family about us.
191 North Old Woodward Avenue, Suite 300, Birmingham, MI, 48009
Lends in Michigan
Loan X Mortgage team has a consistent history in the mortgage industry of closing loans very quickly and efficiently at the exact requirements of the client and also Loan X has all the necessary tools to service you and help achieve your goals. We believe simplicity is key to every transaction because our clients.
Securing a home or business mortgage is a harrowing process. The search for a quality mortgage broker and lender is like going in circles through a revolving door, with no end in sight. Your search is over. Open your door of opportunity at BANCO Mortgage Centre. We're located in downtown Birmingham, MI, which is a part of the greater Detroit area.
Century Mortgage Lending was founded over 20 years ago in Birmingham, Michigan to assist people in building their wealth through mortgage management strategies. We have 50+ years of experience in business and banking and work with many lenders to find our clients the best deals. Our goal is to make sure our your best interest served.
Rockwood Mortgage is proud to be serving the Great Lakes state of Michigan. As a mortgage broker we are able to give you the lowest rate & the attention that you deserve.We are always available for our clients and partners and is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
Michigan United Credit Union is a state chartered credit union serving the greater Oakland county area. The credit union first opened 90 years ago in 1931 and is committed to serving its members Anyone who lives, works, worships or attends school in the State of Michigan can become a member.
As the President of Berkshire Capital, Griffen Hock is responsible for running all facets of the business. Griffen has a proven executive management track record and over 15 years of experience driving sales growth and integrating digital marketing and sales strategy systems in residential mortgage lending.
