USDA and FHA Pro and Con in Cadillac, Wexford County, MI
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 .
2026 Loan Limits and Downpayment Requirements in Cadillac, Wexford, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Cadillac, MI
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.
Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.
Lake-Osceola State Bank, a locally-owned community bank, is in the business of successfully providing financial products and services. We will provide Customer Care by determining their needs and striving to exceed their expectations. We will work side by side with the community to support, assist, and promote improvement to our quality of life.
Our mission is to provide our members with quality financial services, giving special attention to their individual needs. Forest Area Federal Credit Union was organized on September 19, 1983. The original office of the credit union was located at Larr’s Sporting Goods in Fife Lake, MI, until such time that an alternate location could be found.
Filer Credit Union first opened its doors in 1951 in an office at the American Box Board Company (currently PCA). The credit union has long since moved out of the plant, but we will never forget our roots or the men and women who first introduced the credit union movement to our area. Interestingly enough
F5 is refreshing the mortgage process by leveraging technology to ensure ultra-competitive mortgage rates without the hassle of unwanted hard sales tactics. F5 Mortage delivers incredible wholesale mortgage options across Michigan, Georgia, Florida, and Colorado. Backed by almost a decade of professional experience.
4Front Credit Union is a member-owned financial. Your financial well-being is at the heart of 4Front Credit Union’s pledge to you, and while plenty of financial institutions make promises, we follow through by ensuring our members enjoy some of the lowest rates on loans and the highest rates on deposits they can find.
Traverse Catholic Federal Credit Union begins in 1950, when a group of employees at Parts Manufacturing Company in Traverse City, received a federal charter to form a credit union for their company. One employee, Lawrence Weber, and his wife, Ann, willingly took on the large responsibility of running the credit union out of their own home.
Lisa Haggai have been in the Reverse Mortgage industry for over 20 years. She proud to say that customer service is the #1 thing that my clients compliment me on. She work for YOU, not the lender! Because She work with multiple lenders, Lisa truly have access to finding the absolute best product fit for your individual needs.
