USDA Vs. FHA Pro and Con comparison in Flat-Rock, Wayne County, MI
In 2025, the USDA loan limit in Flat-Rock, Wayne county, MI, stands at $285,000. For a single-family home, the FHA limit is $356,362.
Utilize Lendersa®'s USDA loan calculator to compare today's top USDA and FHA rates, and discover the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, evaluate USDA, FHA, Conforming, and VA options side by side, ensuring you select the best program for your financial circumstances in .
2025 Loan Limits and Downpayment Requirements in Flat-Rock, Wayne, MI
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Flat-Rock, MI
Lendersa® aims to provide you with the optimal USDA or FHA loan swiftly and without hassle. Start from one of three pathways to connect with suitable lenders and USDA program options.
A USDA home loan, often referred to as a USDA rural development loan or mortgage, is a government-guaranteed offering from the Department of Agriculture, available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need none, providing significant advantages to eligible borrowers.
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Rapid Response Mortgage With a fixed rate mortgage, payments for the interest rate and the principal remain fixed over the life of the loan. As a result, monthly loan payments stay the same over the life of the loan. Taxes, however, may change according to your local or state tax laws
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