In 2025, the USDA loan cap in Laurium, county of Houghton, MI is set at $336,500, whereas the FHA limit is $472,030 for a single-family dwelling.
Utilize the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates and determine the required income, credit score, reserves, and documentation necessary for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting you in picking the right program in
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| Loan Type | Limit | Downpayment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The purpose of Lendersa® is to swiftly connect you with the most favorable USDA or FHA loan effortlessly. Start with one of three entry points to discover matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the government's Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans demand no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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