USDA Vs. FHA Pro and Con comparison in Kalamazoo, Kalamazoo County, MI

In 2025, USDA loan limit in Kalamazoo, county of Kalamazoo, MI is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Kalamazoo, county of Kalamazoo, MI

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

USDA and FHA loan options in Kalamazoo, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Professional Lending Network
  • 1711 Via El Prado, Suite 103-B, Redondo Beach, CA, 90277
  • Professional Lending Network is a full-service brokerage for wholesale mortgages. It specializes in single family residences as well as units.With over 15 years of experience as a mortgage broker, real estate broker, and estate planning lawyer, Gregory is uniquely positioned to help his clients with a wide variety of matters.
  • Vista Loans
  • 1402 Esplanade, Suite 1, Redondo Beach, CA, 90277
  • You will work with a team that has 57 years of combined mortgage industry experience. Vista Loans uses the latest comparative analysis software which allows us to research and compare hundreds of loan programs & rates to find the best options to meet your needs. Your satisfaction is our Top Priority! Most Important to Us is Customers Satisfaction.
  • Access G T Mortgage Inc
  • 945 Alder Drive NE, Keizer, OR, 97303
  • We are a full service mortgage broker started in 2004 that follows the Golden Rule and offers five star service and the best rates in the business. We offer conventional, subprime, construction, renovation, jumbo, FHA, VA and USDA loans as well as private mortgages. We look forward to the opportunity to provide you with five star service.
  • MortgagePlus
  • 3100 Ridge Pass Drive, Cameron Park, CA, 95682
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Vision Mortgage, Inc.
  • 3161 Cameron Park Drive, Suite 108, Shingle Springs, CA, 95682
  • Vision Mortgage was established in 1998 with customer service at the forefront of its mission plan. The company’s major growth pattern spans over the last 5 years. The foundation of this growth has been the continued focus on customer service coupled with the best interest rates in the industry.
  • Marquis Mortgage
  • 3420 Coach Lane, Suite 12, Shingle Springs, CA, 95682
  • We are a full-service mortgage company based in Cameron Park, CA. We specialize in Conventional loans, FHA loans, and VA loans. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
  • ZABE Mortgage Group
  • 1609 Howard Road, Madera, CA, 93637
  • Zabe Mortgage Group is a mortgage banker with mortgage experts, processors, underwriters and funders—all under one roof. With the tools and systems in place, Zabe Mortgage Group proudly offers various loan program options including, FHA, VA, USDA, Conventional, Jumbo and many more.
  • Palisades Funding Inc
  • 860 Via De La Paz, Suite B-5, Pacific Palisades, CA, 90272
  • Palisades Funding, Inc. provides alternative financing for borrowers who have not been able to achieve financing through traditional methods. We are not bound by a set of specific criteria, which allows us to provide custom crafted solutions for our borrowers and investors to meet their goals.
  • First Fed
  • 105 West 8th Street, Port Angeles, WA, 98362
  • First Fed is a local community bank on an exciting growth trajectory with 15 locations in 5 counties across Washington. We are committed to investing in our amazing team and technologies which enable better service of our customers and communities. In 2021, First Fed received recognition for best workplace
  • Woodland Hills Mortgage Corporation
  • 21777 Ventura Boulevard, Suite 211, Woodland Hills, CA, 91364
  • Woodland Hills Mortgage Corporation, Real Estate Broker, CA Dept of Real Estate #01901462 NMLS #752237, was founded in 1990 as a private lending institution to fund “make sense” loans that banks won’t make. We knew these bank rejected borrowers still needed mortgage assistance that we could provide