USDA VS FHA in Lathrup-Village, Oakland County, MI

In 2025, the USDA loan limit in Lathrup-Village, within Oakland County, MI is $285,000, while the FHA cap for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate and compare the current best USDA vs. FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator shows the USDA, FHA, Conforming, and VA options side by side, enabling you to choose the best program for your financial needs in .

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Loan Limits and Downpayment Requirements for 2025 in Lathrup-Village, Oakland County, MI

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA Loan Options in Lathrup-Village, MI

Lendersa® is committed to securing you the best USDA or FHA loan efficiently and without hassle. Begin by choosing one of three pathways that will connect you with matching lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, often referred to as a USDA rural development loan. It is accessible only in rural areas, with no down payment required, unlike FHA loans that demand a minimum of 3.5% down payment.

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



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  • Summit Mortgage and Investment Company is a financial services organization. We provide individuals, businesses and organizations with expert real estate advice and services including real estate lending, real estate brokerage, property management and investment. Summit is committed to helping our clients.
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  • "LowerMortgage.net has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of consumers and real estate professionals. We are a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance."
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  • At Cali Mortgage we are here to serve your mortgage needs while also providing the very best service. I have also come up with a way to get your interest rate much lower than the market rate. As Direct Lender we offer the most aggressive rates in the market along with lightning fast approvals.
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