USDA Vs. FHA your options comparison in Birmingham, Oakland County, MI
As of 2025, 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.
2025 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.
Headquartered in Framingham, we are able to offer our customers the benefit of local decision making from people who live & work in their community. This allows us to support the local economy & the organizations that work so hard to strengthen it. MutualOne Bank meets the needs of its customers with a variety of checking, savings, consumer loan.
Founded in 1987, First Equity Home Loan is a Gadsden, Alabama based multi branch mortgage banker/broker. Our titles vary. We’re commonly called loan officers, loan consultants, mortgage experts, mortgage pro's loan originators, mortgage bankers, mortgage pro's...you get the picture.
"adsden Mortgage Services has been helping residents of Etowah County and surrounding counties for over 50 years. Established in 1958, we are Gadsden’s oldest mortgage company. We are a wholly-owned subsidiary of Exchange Bank and proud to be part of the family.
We offer a variety of loan products from construction loans"
Alabama Teachers Credit Union was organized in March 1959 with just two employees, and was located on the second floor of the Gadsden City Board of Education Building. Previously known as Etowah Teachers Credit Union, our original Select Employee Group (SEG) was only open to employees and family members of the Gadsden City
QS Private Lending specializes in making short-term, hard money loans for the acquisition, construction and renovation of investor-owned real estate. We focus on properties in Massachusetts, Rhode Island, New Hampshire and Georgia.
As one of the oldest and largest private, hard money lenders
Pride Rock Mortgage, LLC. offers a wide variety of mortgage products to meet the needs of every income level, credit situation and home type in both Massachusetts and New Hampshire. Unlike many brokers, Pride Rock Mortgage, LLC. takes the time to work with you personally to assist you in choosing the mortgage program that best fits
"Family Savings Credit Union…. Where your money grows with you and your family, and ownership allows all members to prosper.
The concept of a credit union is one where people can get better financial services by pooling their resources and working together. In 1951, these principles were brought to Gadsden, AL"
Founded in Atlanta, Georgia in 1994 on 3 basic premises: (1) stellar customer service (2) a fiduciary relationship with the customer that had never existed before (3) eliminate closing costs. In order to accomplish these goals, Jon Shibley immersed himself in the intricacies of the mortgage business,
Since 1995 Piedmont Mortgage has been constantly innovating to provide you with the latest information and technology. Find out about our discounted rates for high credit scores, and loans with no points, origination or processing feesvating to provide you with the latest information and technology.
2575 Peachtree Road, Suite 302, Atlanta, GA, 30305
Atlanta Intown company offers the best mortgage tools available on the Internet. Count on us for easy and convenient online shopping for the best loan programs and the latest rates available. With the assistance of an experienced loan officer, you will be guided through the often challenging process of choosing the loan
