USDA Vs. FHA your options comparison in Jackson, Jackson County, MI

As of 2025, the USDA loan limit in Jackson, which is part of Jackson county, MI, amounts to $336,500. For a single-family home, the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to assess and compare today's USDA vs. FHA best rates, determining the needed income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the right program for your specific financial situation in .

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2025 Loan Limits and Downpayment Requirements in Jackson, Jackson, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Jackson, MI

The goal of Lendersa® is to secure the best available USDA or FHA loan quickly and with ease. Select one of three starting approaches that align you with suitable lenders and available USDA loan programs.

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Understanding USDA Loans in MI

A USDA home loan is guaranteed by the government Department of Agriculture, also known as a USDA rural development loan. These loans are available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans involve no down payment, making them an attractive option for eligible buyers in rural neighborhoods.

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



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