USDA and FHA Pro and Con in Imlay-City, Lapeer County, MI
In 2026, the USDA loan limit in Imlay-City, situated in the county of Lapeer, MI, stands at $285,000, while the FHA limit for a single-family home is $356,362.
Make use of Lendersa®'s USDA loan calculator to assess today's best USDA versus FHA rates. Determine the income, credit score, reserves, and documentation required for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side. This helps you figure out which program in fits your specific financial requirements best.
Loan Limits and Down Payment Requirements for 2026 in Imlay-City, County of Lapeer, MI
Type of Loan
Loan Limit
Down Payment Required
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Imlay-City, MI
The aim of Lendersa® is to facilitate the fastest and most straightforward way to get the best USDA or FHA loan. You can begin with one of three distinct paths that result in access to matching lenders and USDA loan programs.
USDA home loans, backed by the Department of Agriculture, are also known as USDA rural development loans or USDA mortgages. These are available only in rural areas. While FHA loans require a minimum down payment of 3.5%, USDA loans do not require any down payment.
CLFCU has served Huntington and surrounding areas since 1932. We take pride in providing exceptional service to our members. CLFCU is federally insured by NCUA and is an Equal Housing Lender. Our Mission: Community Link Federal Credit Union is committed to being the first-choice financial institution in the community.
Bippus State Bank has served Huntington and surrounding counties since 1911. We are a community bank and pride ourselves on providing excellent customer service. BSB offices are conveniently located in Huntington, North Manchester, Roanoke, and Warren. We are Member FDIC and an Equal Housing Lender.
Buckeye Nation Interim, a company formed by a diverse team of local business leaders, purchased the bank and in September 2014, the bank name was changed to Buckeye State Bank. The name change publicly reflects the beginning of a new chapter of offering our members in all of Ohio the “big bank
At BancOhio, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We are one of the most resourceful and dedicated team of hard money and fix & flip investment property mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
Galaxy Federal Credit Union is a community credit union offering a full range of financial services to anyone that lives, works, worships, volunteers, or attends school in Venango County AND all of their immediate family members. Galaxy will provide the best financial services and products at competitive rates in a safe.
385 County Line Rd W, Suite 200, Westerville, OH, 43082
Since opening its doors in 1996, First Ohio Home Finance, Inc. has established a solid reputation in the banking industry. As a local company, we’re committed to serving the needs of our local customers. That service has earned us an A+ rating with the Better Business Bureau, in addition to other industry awards.
The Home Loan Savings Bank has been serving the financial needs of the Coshocton County since 1882. Our relationship to the community has remained as strong as it was from our beginning, and it continues to grow today. All of the decisions regarding loans and bank operations are made locally, and we are able to tailor our services to truly meet the
Peoples Federal Savings and Loan Association has participated with pride in the agricultural, commercial, and industrial development that has graced Shelby County and shaped the destiny of its residents. and that time, the only two services we were allowed to provide were mortgage loans and savings accounts.
