USDA and FHA Pro and Con in Garden-City, Wayne County, MI
As of 2026, the USDA loan limit in Garden-City, Wayne, MI is set at $285,000, while the limit for an FHA loan for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates and identify the necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side to decide which program in fits your financial situation.
Overview of 2026 Loan Limits and Downpayment Requirements in Garden-City, Wayne, MI
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Garden-City, MI
The mission of Lendersa® is to quickly secure the best USDA or FHA loan without hassle. Select one of three starting points that connect you with matching lenders and the USDA loan programs.
A USDA home loan, guaranteed by the government via the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage and is exclusive to rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans need no down payment at all.
Wayne Westland Federal Credit Union began in 1954 based on the credit union “people helping people” philosophy. As a community-chartered credit union, we put our members first in all we do.
We’re not like a typical bank. WWFCU is not-for-profit, which means all of our earnings go back to you.
Parkside Credit Union, a Michigan based financial institution, has been serving the community since 1953. Parkside offers a full line of financial products and services to its members and provides convenient account access with thousands of nationwide fee‐free ATM locations as well as mobile, online, and telephone solutions.
At Total Home Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Mortgages by Jack is your premiere mortgage lender located in Livonia, MI. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan our highly experienced team
Home Loan Specialists was established in 1997. As an affiliate branch of Mortgage One, we have been providing residential loans in Michigan for more than 20 years. In that time frame, we have closed well over $1 Billion in mortgage transactions. We are a full-service mortgage lender offering all types of mortgage options.
At Total Home Lending, Our goal is simple, We want to match you with the best program to fit your needs and make the process as easy as possible. We are always on the lookout for talented individuals that share our philosophy Our Loan Officers have been doing business for over 20 years.
Parkway Federal Credit Union has been serving our membership since 1947. We are a full service financial institution with a friendly community approach.
Our credit union is a financial institution owned and controlled by it membership for their benefit that: -delivers superior service in a friendly & courteous manner with respect for the wort
At EZ Loans Co, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
As a full-service financial institution, CVF Credit Union offers all the financial products and latest delivery innovations you’d expect from a large bank, except we take the time to know you personally. Our priority is to provide you with the advantage of low-fee or no-fee services with competitive yields on savings and lower rates on loans.
