USDA VS FHA in Chelsea, Washtenaw County, MI

During 2026, the USDA loan limit in Chelsea, county of Washtenaw, MI, is $336,500, while the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator allows you to compare today's best rates between USDA and FHA loans. This tool helps determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your specific financial needs in Alabama.

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2026 Loan Limits and Down Payment Requirements in Chelsea, County of Washtenaw, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Chelsea, MI

Lendersa® aims to secure the best USDA or FHA loan for you swiftly and without hassle. Choose from three starting points that link you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

A USDA home loan is guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is exclusively offered in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans need no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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