For the year 2025, the USDA loan maximum in Ionia, within Ionia county, MI, is $336,500, whereas the FHA limit for a single-family home stands at $472,030.
Lendersa® offers a USDA loan calculator that lets you compare the optimal rates between USDA and FHA loans for today, helping determine the necessary income, credit, reserves, and documents for qualification. With this sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding in the decision of 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% |
The primary aim of Lendersa® is to provide you with the best possible USDA or FHA loan quickly and with minimal fuss. You can begin with one of three pathways that lead to matching lenders with USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and it's available only in rural areas. Unlike FHA loans necessitating a minimum 3.5% down payment, USDA loans require no down payment, providing a significant advantage for eligible applicants.
Enter your location to find out if it qualifies for USDA rural housing loan?
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