USDA Vs. FHA Pro and Con comparison in Grand-Haven, Ottawa County, MI

In 2025, USDA loan limit in Grand-Haven, county of Ottawa, MI is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Grand-Haven, county of Ottawa, 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 Grand-Haven, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • New Mexico Bank & Trust
  • 320 Gold Ave SW, Suite 100, Albuquerque, NM, 87102
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
  • Homewise Inc
  • 500 2nd St SW, Albuquerque, NM, 87102
  • Homewise has been helping people achieve their homeownership goals. We do this by focusing on our customers and placing their long-term financial wellbeing as the highest priority. We share in our customers’ challenges and successes, using those experiences to build a better way to buy a home.
  • The Loan Fund
  • 423 Iron Avenue SW, Albuquerque, NM, 87102
  • The Loan Fund is a nonprofit organization that has helped hundreds of financially underserved small businesses & nonprofits across New Mexico to start, grow and thrive. Our clients are typically unable access credit through banks or credit unions. The Loan Fund is a 501(c)(3) nonprofit organization that is certified by the US Treasury Department.
  • First Community Bank Texas
  • 416 North Water Street, Corpus Christi, TX, 78401
  • First Community Bank is a traditional community bank — our employees are shareholders of the bank, which means they have a personal interest in creating satisfied customers. We are rooted in South Texas, and we know, understand and serve the residents and businesses of the Coastal Bend at 10 convenient bank locations.
  • Nueces County Employees Credit Union
  • 901 Leopard Stree, Corpus Christi, TX, 78401
  • The Nueces County Employees Credit Union (NCE Credit Union) was founded on December 13, 1966. It is owned by its members and run by a board of directors elected by its members. Mission Statement: It is the intent and goal of the Nueces County Employees Credit Union through the actions of its Board of Directors, Staff, and Committee appointments.
  • Corpus Christi Southern Pacific Credit Union
  • 1120 N Tancahua Street, Corpus Christi, TX, 78401
  • The Mission of Corpus Christi Southern Pacific Credit Unions is to provide safe, sound, and competitive financial services to those individuals who share our credit union membership. The Credit Union is committed to the philosophy of helping its members in a responsible, caring and professional manner.
  • Palermo Financial Group
  • 19790 W Dixie Hwy #1010, Miami, FL, 33180
  • Florida-based hard money lender with 25+ years of experience. We seek to make loans between $100,000 - $3,000,000 on investment properties and can typically produce a term sheet within 24 hours. We pride ourselves in taking a common sense approach to underwriting, focusing on the underlying value of the subject property and making all financing dec
  • AS IS LOANS
  • 2875 NE 191 Street, Suite 500, Aventura, FL, 33180
  • AS IS LOANS is a Private Hard Money Loans | 30 Year No Doc Investor Mortgages | Asset Based Loans | Alternative Financing | Residential & Commercial Lending | Portfolio Loans | Consulting Nationwide financing for residential, mixed-use, and commercial properties. 1 - 5 year hard money loans and 30 year fixed rate no doc mortgages.
  • Banesco USA Coral Gables
  • 2980 NE 207th Street, Suite 106, Aventura, FL, 33180
  • With over a decade of experience, Banesco USA has become a reference point for banking in South Florida and Puerto Rico. As part of the ​community​ we serve​​, Banesco USA has a key role to provide support for local businesses and leave a mark of innovation and commitment in the market we serve.