USDA Loan Vs. FHA loan for Lapeer, MI 2026

In 2026, the USDA loan limit for Lapeer in the county of Lapeer, MI is $336,500, while the FHA limit for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator for a detailed comparison of current USDA versus FHA best rates and discover the income, credit, reserves, and documents needed for qualification. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA side by side, helping determine which program in suits your financial situation best.

Exploring USDA and FHA Loan Options in Lapeer, MI

The goal of Lendersa® is to swiftly secure the best USDA or FHA loan options for you with minimal hassle. Begin with one of the three pathways to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

The USDA home loan, also known as a USDA rural development loan or mortgage, is a government-backed option by the Department of Agriculture, available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment, offering a significant advantage for eligible borrowers.

Get top 10
USDA LENDERS
customized to yout needes

Lapeer Lenders
(248) 572-2030 Lender's profile and map Oxford Bank 60 S. Washington Street, Oxford, MI, 48371 Lends in Michigan Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
(248) 274-4748 Lender's profile and map Brick Financial Group LLC 18 N Washington Street, Suite C, Oxford, MI, 48371 Lends in Michigan At Brick Financial Group our main goal is to provide an exceptional value while maintaining high service standards to all members of our extended community. In an ever changing mortgage market, where technology and robot loans are all the rage, we want to be the lender who is for the people, by the people.
(810) 715-3542 Lender's profile and map ELGA Credit Union 2305 S. Center Rd., Burton, MI, 48519 Lends in Michigan We are a not-for-profit cooperative; formed, owned and operated for a single purpose: members helping members. We have a proud tradition of service to our members since 1951. ELGA Credit Union had a humble beginning, helping Consumers Energy employees that were paid below the average of other industrial workers in the 1940’s and 50’s.
(248) 330-1070 Lender's profile and map E3 Funding Inc 2294 North Island Drive, Ortonville, MI, 48462 Lends in Michigan E3 Funding is a state licensed mortgage lender, focusing on conventional and alternative financing. We can help you turn your "investment opportunity" into financial investment gain. Todd M. Burk PRESIDENT at E3 Funding Company. Todd has spent his career as an executive in residential and commercial project development.
(810) 235-2322 Lender's profile and map Security Credit Union PO Box 5255, Grand Blanc, MI, 48480 Lends in Michigan Security Credit Union signed its organizational charter on July 29, 1949. A group of Buick employees started the Credit Union with $40 in shares. The original intent of organizing the Credit Union was to "encourage and promote thrift and to provide loans for any prudent or productive purpose at a reasonable rate of interest.
(810) 606-1075 Lender's profile and map Epic Mortgage Group 12750 S Saginaw St, Suite 102, Grand Blanc, MI, 48439 Lends in Michigan Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(810) 715-4453 Lender's profile and map MD Mortgage Inc 6436 E Maple Ave, Grand Blanc, MI, 48439 Lends in Michigan We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan. Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.
(810) 600-4093 Lender's profile and map Dort Financial Credit Union 9048 Holly Rd, Grand Blanc, MI, 48439 Lends in Michigan Dort Financial Credit Union is a not-for-profit financial cooperative whose mission is to open doors to our members by providing quality financial services. Each member owns one share of the cooperative, represented by the initial deposit made to a primary savings account. Dort Financial Credit Union values communication with our members.
(810) 695-5400 Lender's profile and map Grand Oak Mortgage 5225 E Cook Rd, Grand Blanc, MI, 48439 Lends in Michigan Grand Oak Mortgage Company is privately owned. We specialize in Mortgage Residential Lending. We are a licensed Mortgage Broker in the State of Michigan. We assist borrower's looking to refinance their current home or purchase a new home.Grand Oak Mortgage specializes in finding the perfect loan program to fit the individual needs of our borrowers.