USDA VS FHA in Freeland, Saginaw County, MI

In 2025, the USDA loan cap in Freeland, Saginaw county, MI is $336,500, while the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you identify the best program in for your financial situation.

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2025 Loan Limits and Down Payment Needs in Freeland, Saginaw, MI

Loan Category Max Amount Min Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conforming $726,200 3%

Exploring USDA and FHA Loan Paths in Freeland, MI

Lendersa® aims to connect you with the optimal USDA or FHA loan quickly and smoothly. Choose one of three starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

The USDA home loan, guaranteed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is for rural areas only. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none.

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



  • Downs Financial Inc
  • 1159 South Clayton Street, Denver, CO, 80210
  • We are a Colorado mortgage company approved in multiple states to originate home loan programs like mortgage refinancing, home purchase and home equity mortgages. We recognize the importance of a long term relationship and to help foster such a relationship, we provide our customers with a “Low Rate Guarantee.
  • Lake Dillon Mortgage Services Inc
  • 3801 East Florida Avenue, Suite 630, Denver, CO, 80210
  • We are a full service residential first mortgage lender offering solutions custom tailored to the individual needs of a borrower. We pride ourselves on personal service and we are ready to create your custom mortgage solution today. We are experienced in dealing with the borrower and realtor through every step of the process to ensure
  • Next Gear Mortgage Company
  • 16840 Drennan Rd, Colorado Springs, CO, 80928
  • Next Gear Mortgage Company is a Independent Mortgage Broker Company. We dont work for one particular lending institution nor are we tied to just one product line. Not all people and buying situations fit in a traditional bank lending. Which is why Next Gear Mortgage Company was formed. We have a wide range of excellent lenders
  • Caprate Mortgage LLC
  • 10112 League Line Rd, Conroe, TX, 77304
  • Caprate Mortgage LLC a Christian based company, is committed to helping you find the right mortgage product for your needs. Lending not only to the Lake Conroe area and The Woodlands but all of Texas. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
  • Kevin Teel Mortgage
  • 3900 Oakwood Dr, Longmont, CO, 80503
  • "Kevin Teel - Mortgage Advisor. My overall goal is to make people more powerful than they were before we met.If we can do that through a mortgage, great; if it is Credit Repair, fantastic; if it's only Education, that’s wonderful. It's all about Benefit. Received the Longmont, Colorado FIVE STAR MORTGAGE PROFESSIONAL AWARD"
  • Home Loan Mortgage Company LLP
  • 1101 Twin Peaks Circle, Longmont, CO, 80503
  • Honest. Dependable. Local. These are just a few words that describe Home Loan Mortgage. We are a family owned Mortgage Broker that strives to make mortgages understandable and pain free. We handle the processing of our own loans, so you'll work with the same person from application to closing.
  • 1st Colorado Mortgage Solutions, Inc.
  • 2919 West 17th Avenue, Suite 115, Longmont, CO, 80503
  • At 1st Colorado Mortgage Solutions, Inc. it is our mission to carefully guide you through the entire home loan process, so you feel confident as you make choices about your financial strategy. Our experts take the often-confusing mortgage process and give you the clarity and understanding to get the right mortgage for your financial needs.
  • MANNING FINANCIAL GROUP, INC
  • 9412 N US Highway 1, Sebastian, FL, 32958
  • We're a full service Florida Mortgage Company with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to USDA, VA and FHA mortgages. We have access to a full range of mortgage programs and all of our Florida mortgage specialists are dedicated to finding the right loan-with the best rates