In 2026, the USDA loan limit for Dearborn in the county of Wayne, MI stands at $336,500. Conversely, the FHA loan cap for a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA and FHA rates available today. Determine the necessary income, credit qualifications, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, aiding your decision in selecting the ideal program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to efficiently secure the best available USDA or FHA loan options for you, swiftly and effortlessly. Choose from three initial pathways to connect with lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available specifically in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA mortgages require no down payment, making them a more accessible homeownership option for eligible individuals.
Enter your location to find out if it qualifies for USDA rural housing loan?
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