For the year 2026, the USDA loan ceiling in Fraser, within the county of Macomb, MI, is set at $336,500, whereas the FHA ceiling for a single-family home is $472,030.
Utilize Lendersa®'s USDA loan calculator to contrast today's optimal USDA and FHA rates. Determine the necessary qualifications such as income, credit, reserves, and documentation required. This advanced mortgage calculator allows side-by-side comparisons, including USDA, FHA, Conforming, and VA loans, helping you choose the best program 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% |
The objective of Lendersa® is to assist you swiftly in obtaining either USDA or FHA loans with minimum hassle. Begin with one of three pathways that successfully link you to matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the government through the Department of Agriculture and is exclusively available in rural locales. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all, offering a distinct advantage for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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