USDA and FHA Pro and Con in Cedar-Springs, Kent County, MI
In 2025, for a single-family home, the USDA loan limit in Cedar-Springs, located in the county of Kent, MI, is $285,000, whereas the FHA limit is $356,362.
To explore and contrast the best USDA and FHA rates available today, make use of Lendersa®’s USDA loan calculator. Assess the essential income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator enables a side-by-side view of USDA, FHA, Conforming, and VA programs to aid in determining the best choice for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Cedar-Springs, County of Kent, MI
Type of Loan
Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in Cedar-Springs, MI
At Lendersa®, our mission is to swiftly and efficiently secure the ideal USDA or FHA loans for you. Choose from three starting paths to align with matching lenders offering USDA programs.
A USDA home loan is backed by the government's Department of Agriculture, known as the USDA Rural Development Loan or mortgage, and is strictly for rural locales. Unlike the FHA, which mandates a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
Union Bank is a truly local, right-sized, and proudly independent bank with roots deep in West and Central Michigan's soil. For nearly a century we've worked alongside truly local and proudly independent West and Central Michigan businesses, the people who own them, and the people who work at them.
715 Terrace Street, Suite 101, Muskegon, MI, 49440
Muskegon Co-op FCU is a full service financial institution offering loans, CDs, interest checking with identity theft, money market accounts and more.
MUSKEGON CO-OP FEDERAL CREDIT UNION is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #FSVCE1DJHJT7.
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As our Mission Statement states, FGCU is committed to serving our members the very best we can by providing the affordable services and products to help them reach their financial goals now and into the future. Like all credit unions, FGCU relies on an active, participating membership to thrive. With over $66.5 million in assets and still growing.
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