USDA and FHA Pro and Con in Hillsdale, Hillsdale County, MI

In 2025, the USDA loan limit for Hillsdale, county of Hillsdale, MI, is $336,500. For a single-family home, the FHA limit is $472,030.

With Lendersa®'s USDA loan calculator, you can compare today's USDA and FHA rates to assess the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows for side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting you in determining which program suits your financial situation best in .

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2025 Loan Limits and Down Payment Requirements in Hillsdale, Hillsdale, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Hillsdale, MI

Lendersa® aims to efficiently secure the best USDA or FHA loan for you, hassle-free. Choose one of three starting options to align with lenders and USDA loan programs.

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Understanding USDA Loans in MI

A USDA home loan, also referred to as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is available in rural areas only. FHA loans require at least a 3.5% down payment, but USDA loans need no down payment, offering a significant advantage to eligible borrowers.

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



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