In 2026, the USDA loan limit for Cadillac, located in Wexford, MI, is $336,500. The FHA limit for a single-family home is set at $472,030.
Utilize Lendersa® USDA loan calculator to evaluate today's optimal USDA vs. FHA rates, helping determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator facilitates side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in choosing the program best suited for your financial conditions 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% |
Lendersa® is committed to swiftly securing the best USDA or FHA loans for you without hassle. You have three starting points to enroll in processes that match you with suitable lenders and USDA loan programs.
The USDA home loan, also called a USDA rural development loan or mortgage, is a government-backed loan provided by the Department of Agriculture, available exclusively for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment, offering a clear advantage for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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