USDA VS FHA in Iron-Mountain, Dickinson County, MI
In 2026, the USDA loan limit for Iron-Mountain, located in the county of Dickinson, MI, is set at $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Take advantage of the Lendersa® USDA loan calculator to examine and compare current USDA and FHA rates. This tool helps you determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side, guiding your choice for the most suitable program in according to your financial situation.
2026 Loan Limits and Downpayment Requirements in Iron-Mountain, County of Dickinson, MI
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conforming Conventional
$548,250
3%
USDA and FHA Loan Options in Iron-Mountain, MI
Lendersa® is dedicated to providing the best USDA or FHA loans efficiently and without hassle. Choose one of three starting paths to connect with matching lenders and USDA loan programs.
The USDA home loan, secured by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available exclusively in rural neighborhoods. In contrast to FHA loans, which need a minimum 3.5% down payment, USDA loans do not require any down payment.
At Putnam Capital Services, 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.
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Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.
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XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
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Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
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