For the year 2026, 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 best suits your financial requirements.
Loan Limits and Downpayment Requirements 2026 for Ionia, Ionia, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Ionia, MI
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.
Mortgage First is committed to providing our clients with the best of both worlds–excellent customer service and competitive rates. Our seasoned mortgage professionals will work with you one on one to ensure that you get the right home financing solution tailored specifically to meet your needs.
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4667 MacArthur Blvd, Suite 320, Newport Beach, CA, 92660
We have been in Newport Beach across from John Wayne Airport since 1994. We offer hard money loans for commercial and residential properties, purchases, and refi cash-outs to the self-employed. We also provide Traditional, Non-Traditional, and Jumbo Loans. 1-4 Units & No Ratio Loans for Investment Properties. Please call 949-833-8747.
Residential First Capital is classified as a “one-stop” shop for residential financing. We are a direct lender, offering an extensive pool of private funds to accommodate and finance a wide array of loan requests. Our 38+ years of experience allow us to minimize loan transaction time and maximize the opportunity to obtain financing. We specialize i
1200 Newport Center Dr. Suite 295, Newport Beach, CA, 92660
PrideCo was established in 2006 and we began lending in real estate in 2009. We are a CFL licensed private lender and we lend our own money. Since our inception, we have continued to focus on key markets in California, Denver and Nashville including their surrounding areas. We provide a lending platform for seasoned real estate investors.
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260 Newport Center Drive, Newport Beach, CA, 92660
Mortgage Vintage is a Fast and Professional Hard Money Lender in Orange County specializing in business purpose, investment and bridge loans for real estate investors or business owners looking to capitalize on market or investment opportunities. Our mission is to provide the highest quality hard money loans and trust deed investment opportunitie
20151 SW Birch Street, Suite 200, Newport Beach, CA, 92660
Residential First Capital started in 1986 to handle ALL of our client’s real estate financing needs. We cover the range of options from prime institutional financing to hard money financing in order to assist our clients with the requirements they have and at the speed they need the funds delivered.
1301 Dove Street, Suite 830, Newport Beach, CA, 92660
At Loanhunch, we connect borrowers with some of the best loan products and lowest rates available for nearly every borrower situation.
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4000 MacArthur Blvd, Suite 300, Newport Beach, CA, 92660
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3636 Birch St, Suite 2604000 MacArthur Blvd, 7th Floor, Newport Beach, CA, 92660
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