In 2026, the USDA loan limit for Houghton in the county of Houghton, MI is set at $336,500, while the FHA limit for a single-family property is $472,030.
Utilize the Lendersa® USDA loan calculator to analyze and compare today's top USDA and FHA rates, as well as to establish the necessary income, credit, reserves, and documentation required for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program 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 offer you the best possible USDA or FHA loan swiftly and with little stress. Select one of three pathways to connect with lenders that match USDA loan programs suited to your needs.
The USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture. It's available exclusively in rural areas. Unlike FHA loans, which demand a minimum of 3.5% down payment, a USDA mortgage does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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