USDA Vs. FHA your options comparison in Coldwater, Branch County, MI

In 2025, USDA loan limit in Coldwater, county of Branch, MI is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Coldwater, county of Branch, 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 Coldwater, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Michigan One Community Credit Union
  • 510 S Dexter Street, Ionia, MI, 48846
  • Moments after walking into one of our lobbies you’ll see there’s something different about M1. Our employees greet you with gratitude, eager to serve you as our member and financial partner. This people-first way of doing business is something you might not expect from a financial institution, but it’s just the norm here.
  • Central Soya Federal Credit Union
  • 1200 N 2nd Street, Decatur, IN, 46733
  • Central Soya FCU has served its members and their families since 1940. We continue to offer very competitive and unique services to meet the needs of our members.We also offer full family membership opportunities and lifetime membership regardless of your employment change (once a member, always a member).
  • United Bank of Michigan
  • 900 East Paris Ave SE, Grand Rapids, MI, 49546
  • United is our name and mission. We’ve been partnering with this community for more than a century to match needs with real solutions. Our banking products and services help build businesses, launch ideas, raise families and fulfill dreams. We genuinely believe in community banking.
  • Northpointe Bank
  • 3333 Deposit Drive NE, Grand Rapids, MI, 49546
  • Northpointe Bank deposits, nationwide mortgage purchasing program, and community bank fulfillment services. Our residential origination locations span the nation due to our ability to lend in all 50 states. As we continue to grow, we are proud to be recognized throughout the industry for our exceptional financial performance.
  • Northwind Financial Corporation
  • 625 Kenmoor Avenue Southeast, Suite 211, Grand Rapids, MI, 49546
  • Northwind Financial is a direct lender for private commercial real estate transactions, and direct for residential loans too! Our primary objective is to meet our borrower's need for financing with efficiency, flexibility and professionalism - especially in challenging situations. Established in 1997
  • Team Mortgage Company
  • 5043 Cascade Road SE, Suite A, Grand Rapids, MI, 49546
  • We complete a large volume of mortgage loan financing each year with many different financial institutions. At Team Mortgage Company, we treat our clients well. We have proudly built our success as a Grand Rapids mortgage lender with the philosophy that our customers always come first.
  • Preferred Credit Union
  • 3767 Sparks Dr SE, Grand Rapids, MI, 49546
  • Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.
  • Red Oak Capital
  • 625 Kenmoor Ave SE, Suite 200, Grand Rapids, MI, 49546
  • Red Oak Capital Holdings, LLC is a family of commercial real estate finance and investment companies that includes Red Oak Financial, LLC, Red Oak Holdings Management, LLC, and Red Oak Capital GP, LLC. The Michigan-headquartered firm is anchored on a strong team that collectively delivers over 100 years of commercial real estate lending
  • First Federal Savings and Loan Association of Van Wert
  • 679 Fox Road, Van Wert, OH, 45891
  • First Federal of Van Wert, OH is a locally owned and operated financial institution. We are a community oriented bank which excels in customer service and building relationships. Our goal is to make every banking experience a great one! First Federal and our employees are heavily involved in our community.
  • Van Wert Federal Savings Bank
  • 976 South Shannon Street, Van Wert, OH, 45891
  • Van Wert Federal takes pride in being the leading mortgage lender in the area. Whether you are building a new home, purchasing a home, or refinancing a residential property, we are here to help you. Our loan officers have the experience and resources to work with you personally to identify your goals.
  • The Corn City State Bank
  • 201 W Main St, Deshler, OH, 43516
  • Corn City State Bank (Bank) is located in Henry County, Ohio, United States. Address of Corn City State Bank is 201 W Main St, Deshler, OH 43516, USA. Corn City State Bank has quite many listed places around it and we are covering at least 49 places around it on Helpmecovid.com..