USDA Vs. FHA your options comparison in Lake-Fenton, Genesee County, MI
In 2026, the USDA loan limit for Lake-Fenton in the county of Genesee, MI, amounts to $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to compare today’s optimal USDA and FHA rates. Determine the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in best matches your financial situation.
2026 Loan Limits and Downpayment Requirements in Lake-Fenton, County of Genesee, MI
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Lake-Fenton, MI
The focus of Lendersa® is to rapidly secure the most suitable USDA or FHA loan with minimal hassle. Choose one of three starting points that result in matching lenders and appropriate USDA loan programs.
A USDA home loan is backed by the government through the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage. It is available specifically in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA mortgage loans are distinctive in requiring no down payment.
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