USDA Vs. FHA Pro and Con comparison in Howell, Livingston County, MI

In 2026, the USDA loan limit set for Howell in Livingston, MI, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Use Lendersa®'s USDA loan calculator to compare today's top USDA and FHA rates, determining the income, credit, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator enables you to evaluate USDA, FHA, Conforming, and VA options, assisting you in selecting the most suitable program for your financial circumstances in .

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Loan Limits and Downpayment Requirements for 2026 in Howell, Livingston, 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 Opportunities in Howell, MI

The mission of Lendersa® is to swiftly provide you with the best USDA or FHA loans without hassle. Choose one of the three starter paths to connect with lenders and USDA programs.

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All About USDA Loans in MI

A USDA home loan, also called a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture and is intended for homes in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require none, offering significant advantages to qualifying borrowers.

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



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