USDA Vs. FHA your options comparison in Jenison, Ottawa County, MI

As of 2026, the USDA loan cap for Jenison, in Ottawa county of MI, is $336,500, whereas the FHA limit for a single-family house is $472,030.

Utilize Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you select the most suitable program in that fits your financial situation.

Browse offers from 100 lenders

2026 Loan Limits and Downpayment Needs in Jenison, County of Ottawa, MI

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

USDA and FHA Loan Options in Jenison, MI

Lendersa® aims to provide you with the best possible USDA or FHA loans quickly and without hassle. Choose one of three starting methods that link to matching lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

The USDA home loan, backed by the Department of Agriculture, is also referred to as the USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages have no down payment requirement.

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



  • Best Rates On Earth
  • 722 West Shepard Lane, Suite 104, Farmington, UT, 84025
  • At TruePointe Mortgage, 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.
  • Jones Investment Company Llc
  • 3461 Baker Drive, Ogden, UT, 84402
  • Title: Strategic Growth Financing with Jones Investment Company LLC Your Strategic Capital Partner Jones Investment Company LLC, under Richard Alen, empowers your business or project with flexible, fast capital. We specialize in strategic bridge loans and development financing, providing the funds you need to seize opportunities and accelerat
  • Jones Investment Company LLC
  • 3461 Baker Drive, Ogden, UT, 84402
  • Jones Investment Company LLC is your trusted partner in growth and success, specializing in flexible and fast financial solutions. As a U.S.-based private lender, we offer a seamless funding experience for real estate, business, and project needs. Benefit from our asset-backed loans, bridge financing, and acquisition capital without prepayment pena
  • America First Credit Union
  • PO Box 9199, Ogden, UT, 84409
  • America First's mission of service is not limited to helping people develop and maintain financial well-being. In fact, it emanates throughout the community. Our employee volunteer program, the Greater Good, offers a planned, managed framework that motivates our staff to effectively donate time and resources to the communities where they live.
  • Reliant Mortgage Services
  • 30 Providencia Court, Suite 4M, Brownsville, TX, 78526
  • Our mortgage experts treat you with the respect due a valued customer and give you the personal attention you deserve. We know you're making a commitment in buying a new home, refinancing, or tapping into your equity. So we make the following commitment to you: we can help you qualify, apply and be approved for the ideal mortgage for you.
  • GWG MORTGAGE CO., INC
  • 40202 Paredes Line Rd, Suite 13, Brownsville, TX, 78526
  • "GWG Mortgage Co., Inc. was formed in 1994, is locally owned, and provides a complete set of mortgage services throughout the state of Texas. We have a variety of investors that allow us to pick and choose among the best service providers in the industry to match loans with the needs of our customers"
  • Entrust Capital Funding
  • 2077 N Zaragoza Rd, Suite B202, El Paso, TX, 79938
  • The Entrust Capital Funding vision begins with a belief that real estate investments are a smart way to grow your assets and protect your financial future. As a private money lender, we focus on helping others obtain success. By providing investors and entrepreneurs with fast and reliable hard money loans.
  • Idaho Farm Bureau Financial Services
  • 275 Tierra Vista Drive, Pocatello, ID, 83205
  • The Company deals primarily with Idaho Farm Bureau Federation members and the Federation’s affiliated organizations. It finances premiums for several lines of insurance, and provides loans secured by motor vehicles, mobile homes, home equity, and other areas of finance approved by the Board of Directors.
  • Preferred Mortgage Inc
  • 1145 South 800 East, Suite 101, Orem, UT, 84097
  • Lana Lesser is the owner / broker of Preferred Mortgage. She has been doing loans with Preferred Mortgage for 23 years, with an office located in Orem. Lana really prides herself on being able to establish a personal relationship during the loan process. She really enjoys the return clients, referrals and friendships this creates