USDA and FHA Pro and Con in Houghton, Houghton County, MI
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 best fits your specific financial needs.
2026 Loan Limits and Downpayment Requirements in Houghton, Houghton, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Houghton, MI
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.
Premier Finance Group Inc mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
Cornerstone Company headed by George Krajacic is a trusted name in Los Angeles, Orange County, Riverside, San Bernardino and San Diego for flexible, reliable and fast hard money loans. Founded ten years ago, today Cornerstone Company is known for its dedicated service, consistent performance and diversified approach in hard money lending.
TheHomeLoanHero.com, a direct Orange County mortgage lender and California Mortgage Broker, has been involved in Private Real Estate Investment and Financing for many years now. And during this time we have been able to solve the problems of many of our Southern California clients and Orange County residents who want to own their own home.
Patriot Equity Mortgage LLC is a mortgage company designed with the idea of giving families a helping hand as families strive to achieve their goals, dreams, and success. We do this by educating consumers about financing the purchase of their own home, especially first time homebuyers, and teaching all homebuyers how to protect their investment.
16845 Von Karman Ave, Suite 200, Irvine, CA, 92606
Change Home Mortgage is a residential mortgage lender approved as a direct seller and servicer by Fannie Mae, Freddie Mac, and Ginnie Mae. Change Home Mortgage is certified by the United States Department of the Treasury as a Community Development Financial Institution (CDFI) allowing it to offer proprietary mortgage options.
Vision Quest Lending was founded on the idea of making the mortgage process easier while bringing savings to homeowners from application to closing. We really pride ourselves on bringing low mortgage rates and low fees to our customers - after all, the less you spend on your mortgage, the more you can spend on other important things in your life.
New Leaf Funding Inc mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
16845 Von Karman Avenue, Suite 200, Irvine, CA, 92606
Commerce Home Mortgage mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital
23332 Mill Creek Drive, Suite 235, Laguna Hills, CA, 92653
At AS IS Lending we value honesty and integrity, and we pride ourselves on providing transparency for our clients throughout the mortgage loan process.
We understand that owning a home is a large financial commitment, which is why our AS IS Lending Team works closely with you every step of the way throughout the loan process and beyond.
23330 Mill Creek, Suite 250, Laguna Hills, CA, 92653
Michelle J. Christensen has 19+ years in the industry she can assist you in every aspect of the loan process. Give her a chance to earn your business, you will never go to another loan officer. Michelle J. Christensen NMLS# 304522 Our Business Is Making You Feel At Home.
With 19+ years in the industry Michelle can tailor the perfect loan
23172 Plaza Pointe Dr, Suite 195, Laguna Hills, CA, 92653
Our goal is not only to provide you with the best of our service and expertise in advancing your financial interests, but also to offer you a long term relationship. The US economy and banking industry is always changing, as such, anytime we feel that we can better your financial interests in the long term.
