USDA Vs. FHA Pro and Con comparison in Farmington, Oakland County, MI

For 2025, the USDA loan limit in Farmington, situated in the county of Oakland, MI, is $336,500. Meanwhile, the FHA cap for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare today's top USDA versus FHA rates, determining income, credit, reserves, and documents needed for eligibility. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA options side by side, making it easier to select the right program for your financial scenario in .

View offers from 100 lenders

Loan Limits and Downpayment Requirements 2025 in Farmington, Oakland, MI

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

Explore USDA and FHA Loans in Farmington, MI

The goal of Lendersa® is to provide you with the best USDA or FHA loan swiftly and hassle-free. Start with one of three pathways to connect with lenders and the USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in MI

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture and designated for rural areas only. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment, offering a considerable benefit to eligible borrowers.

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



  • Premier Reverse Mortgage, LLC
  • 1640 Powers Ferry Rd SE, Bldg 28, Suite 300, Marietta, GA, 30067
  • Premier Reverse Mortgage, LLC was founded by Matt Neumeyer, a Certified Senior Advisor, on January 13, 2012. After spending many years in the reverse mortgage industry working for others, Matt decided it was time to form a company around his own ideals. Those ideals are part of the Premier Reverse Mortgage logo.
  • The Family Mortgage Team
  • 1640 Powers Ferry Rd, Building 3, Suite 100, Marietta, GA, 30067
  • The Family Mortgage Team at LeaderOne Financial is a team of professionals dedicated to ensuring that your loan is not just a transaction.... It is a lifetime relationship developed around three distinct concepts: 1) investigating your hopes and dreams and insuring that we use the mortgage to maximize
  • Safe Haven Mortgage Inc
  • 1355 Terrell Mill Rd, Building 1464, Suite 216, Marietta, GA, 30067
  • At Safe Haven Mortgage Inc in Marietta, Georgia, we keep in mind your best interest. We value our relationships with you and won’t hesitate to go over and beyond your expectations. Our mission is to serve you with integrity, honesty, and competence. We can help you overcome any challenges that arise when securing your home loan.
  • Mortgage Atlanta LLC
  • 601 Woodlawn Dr. NE, Suite 340, Marietta, GA, 30067
  • Mortgage Atlanta LLC Launched in 2009 by a team of financial experts who are passionate about helping people realize their dreams, Mortgage Atlanta understands that no two homebuyers or homeowners are exactly the same. That’s why we seek first to get to know you and your needs on a granular level.
  • Grace Financial Network LLC
  • 113 Atlanta Country Club Drive SE, Marietta, GA, 30067
  • Grace Financial Network we're committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Residential Funding Consultants LLC
  • 111 Village Parkway NE, Bldg 2, Suite 100, Marietta, GA, 30067
  • Residential Funding Consultants provide lending knowledge to best suit your current needs. With over 15 years of experience, our Consultants have excelled in both good and poor economic times by adapting with the changing markets and searching out the best solutions for their clients.
  • STONE OAK MORTGAGE LLC
  • 2470 Windy Hill Rd, Suite 211, Marietta, GA, 30067
  • STONE OAK MORTGAGE LLC IS a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates
  • Jackson Federal Savings and Loan
  • 414 Second Street, Jackson, MN, 56143
  • Jackson Federal is here to serve our local community and meet all their financial needs. We offer a full range of products and services to consumers and small businesses. Our goal is to blend ""personalized service"" with technology and make you our customer. Jackson Federal Savings & Loan Association was chartered in 1892.
  • LaPorte Group, Inc.
  • 614 2nd St, Jackson, MN, 56143
  • "When you decide to buy a home or refinance a mortgage, it's a big step. You can trust us to find the loan program that's best for you. We have helped thousands of individuals in Minnesota, Iowa and Florida over the years. Whether it was purchasing their first home or refinancing the home where they raised their family