In 2026, the USDA loan cap in Holly, Oakland county of MI is $336,500, whereas the FHA limit is $472,030 for a single-family home. These limits guide your borrowing potential within respective government programs.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the necessary income, credit rating, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, enabling you to select the best program for your financial situation 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% |
Lendersa® aims to provide the most suitable USDA or FHA loans swiftly and effortlessly. Begin one of three paths to connect with matching lenders and explore USDA financing options.
A USDA home loan is a government-backed loan through the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. These are available only for rural neighborhoods, providing an excellent opportunity as they require no down payment, unlike FHA loans requiring a minimum of 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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