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

In 2026, 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 2026 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?



Lathrup-Village Lenders

  • Great Lakes Lending MI, LLC
  • 20700 Civic Center Dr, Suite 360, Southfield, MI, 48076
  • Lends in Michigan
  • 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.

  • Bernard Financial
  • 20700 Civic Center Drive, Suite 240, Southfield, MI, 48076
  • Lends in Michigan
  • Bernard Financial Group, Michigan’s largest commercial mortgage banking firm, specializes in both debt and institutional equity placement for commercial real estate borrowers and developers with commercial lenders and institutional joint venture participants. Since its inception, Bernard Financial Group has financed.

  • ADM Financial Group
  • 19785 West 12 Mile Road, Suite 462, Southfield, MI, 48076
  • Lends in Michigan
  • ADM FINANCIAL GROUP We specialize in commercial mortgages from $250, 000.00 to $25, 000, 000.00 for the acquisition or refinancing of multi-family apartment, mini malls, multi-use buildings, churches, mini-storage, golf courses, car washes, c-stores, offices, industrial, anchored and non-anchored retail, hotels, motels flagged and un-flagged.

  • Mortgage Center
  • 26555 Evergreen Road, Suite 900, Southfield, MI, 48076
  • Lends in Michigan
  • Mortgage Center has been working with credit union members and mortgage borrowers to help our communities grow. As a member of Mortgage Center, you’re backed by a caring team of professionals experienced in mortgage lending and borrowing. Plus, on most mortgages, you will always make your payments to Mortgage Center for the life of the loan.

  • RCR International Finance & Trade
  • 31350 Telegraph Road, Bingham Farms, MI, 48025
  • Lends in Michigan
  • Unlock your business potential with RCR International Finance & Trade! We provide tailored commercial and corporate financial services, including CRE and construction finance, accounts receivable and purchase order financing, commercial equipment and inventory finance, bridge and hard money loans, and export trade finance. Partner with us to fuel y

  • CONSTRUCTION FEDERAL CREDIT UNION
  • 30400 Telegraph Road, Suite 122, Franklin, MI, 48025
  • Lends in Michigan
  • CONSTRUCTION FEDERAL CREDIT UNION Founded and chartered in September of 1974, to serve the members of the Construction Association of Michigan (CAM) and their families, we have been providing unmatched personal service ever since When you’re a member of Construction Federal Credit Union, you’re not just a customer but part-owner of your credit unio

  • 1ST SECURITIES MORTGAGE
  • 30150 Telegraph Rd, Suite 320, Bingham Farms, MI, 48025
  • Lends in Michigan
  • 1st Securities Mortgage, we want to be your mortgage broker & lender for life. Our business is family owned and operated, & that means you will be treated like a partner too. We offer Conventional, FHA, VA, New Construction, Refinance, RD and Renovation Loans. we are dedicated to being responsive to all of our customers and referral partners.

  • Credit Union Advantage
  • 22250 Providence Drive, Southfield, MI, 48075
  • Lends in Michigan
  • Credit Union Advantage has been providing financial services to members and their families since 1969. Initially the credit union was named Providence Hospital Employees Credit Union and in 2002 we began to also serve the employees of the St. John Health System, which includes Providence Hospital. Our name was changed at that time to Credit Union A

  • Southeast Michigan State Employees Federal Credit Union
  • 17135 W Ten Mile Road, Southfield, MI, 48075
  • Lends in Michigan
  • Southeast Michigan State Employees (SMSE) Federal Credit Union is a democratically controlled, co-operative financial institution.SMSE Federal Credit Union was formed to serve employees of the State of Michigan and employees of local governments, working in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne Counties.