In 2026, the USDA loan limit for East-Lansing, within the county of Ingham, MI, is set at $285,000. Meanwhile, the FHA loan limit applicable for a single-family home is $356,362.
Utilize Lendersa®'s USDA loan calculator to evaluate the best rates available for USDA versus FHA loans today. Understand what's required in terms of income, credit scores, reserves, and supporting documents. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, enabling you to choose the most suitable program in that aligns with your individual financial situation.
A Closer Look at 2026 Loan Limits and Downpayment Requirements in East-Lansing, Ingham, MI
Loan Type
Loan Limit
Down Payment Percentage
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in East-Lansing, MI
The goal of Lendersa® is to secure the best possible USDA or FHA loan for you efficiently, without needless hassle. Start by selecting one of three paths that lead to matching lenders and USDA loan programs that fit your needs.
A USDA home loan, assured by the government via the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is offered exclusively in rural neighborhoods. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment at all, presenting a significant advantage.
At Gabriels Community Credit Union. In 1957 a small group of parishioners joined together in the spirit of cooperation to offer members personal financial services. From this humble beginning, Resurrection Parish Credit Union was born.
Over the years the Credit Union has grown up with the community
CASE Credit Union was chartered in 1936 to serve Lansing area teachers and administrators as Lansing Teachers Credit Union. From operating within Lansing High School with 180 members, today, nearly 85 years later, we serve a membership of over 45,000 members and operate seven branches throughout the Greater Lansing area.
Capitol National Bank strives to become the community bank of choice in the markets we serve by offering customer solutions that result in long-term customer relationships, & enhanced shareholder value. Capitol National Bank opened its doors in downtown Lansing in 1982. Our mission was to serve the financial needs of small and mid size businesses.
LAFCU is proud to not only serve the community in which they have offices, but to also play an active role in making our community a better place to live. LAFCU encourages community involvement and its employees serve many organizations and committees on a volunteer leadership basis by sitting on their boards of directors.
Ideal Mortgage Services, LLC is a mortgage brokerage owned and operated locally in Haslett. We are licensed to do first mortgages throughout the entire state of Michigan. Ideal Mortgage has a very diverse client base, with all types of credit backgrounds. We are well versed in various types of loans,
Astera Credit Union is based in Lansing, Michigan. It serves over 15, 000 members with four branches in Lansing, DeWitt, & Ionia. It supports nearly 150 employer groups by providing direct deposit & other financial tools for their employees.
Astera was founded in 1949 by employees at Lansing's Fisher Body Plant to provide honest & affordable l
Chartered in July 1948, Auto-Owners Associates Credit Union was originally formed by a group of Auto-Owners Associates. The purpose was to have a place, controlled by its members, to save and borrow money at reasonable rates.
Auto-Owners Associates Credit Union provides you with more than just a savings account.
Farm Bureau Family Credit Union was chartered in December 1933 as a member-owned financial institution to serve the employees of the Michigan Farm Bureau Family of Companies, their family members, and Farm Bureau members statewide.
Our field of membership includes:
Michigan Farm Bureau members Farm Bureau Insurance of Michigan customers
Our mission at US Capital Mortgage Partners is to provide personal, caring mortgage solutions for every potential homeowner that gives us the opportunity. We are committed to build meaningful relationships with our customers through finding the best products with a competitive rate and excellent customer service.
