In 2026, 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
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| Type of Loan | Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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