USDA and FHA Pro and Con in Madison-Heights, Oakland County, MI

In 2026, the USDA loan limit in Madison-Heights, within Oakland county, MI, is $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.

Utilize the Lendersa® USDA loan calculator to discern the best prevailing rates between USDA and FHA loans, and identify the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator lets you review USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in best complements your financial needs.

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Evaluating 2026 Loan Limits and Downpayment Requirements in Madison-Heights, Oakland, MI

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

Discover USDA and FHA Loan Options in Madison-Heights, MI

Lendersa® aims to swiftly and seamlessly secure the best USDA or FHA loan for you. Initiate the process by choosing one of three pathways that connect you with suitable lenders and appropriate USDA loan programs available.

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Understanding USDA Loans in MI

A USDA home loan, secured by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively to rural areas. Different from FHA loans which require a 3.5% minimum down payment, USDA loans require no down payment, offering a significant fiscal advantage.

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



  • FootPrint Mortgage LLC
  • 600 17th Street, Suite 2800 South, Denver, CO, 80022
  • footprint Our clients are people that want to stop paying for things that don’t add them any value like premium office space, large support and compliance staff, corporate salaries, and so on We decided to take a stand, delivering a value focused experience that isn’t set upon fast transactions.
    Footprint Mortgage is a client-centric firm.

  • Fort Collins Mortgage LLC
  • 8340 Louden Circle, Fort Collins, CO, 80528
  • Fort Collins Mortgage LLc, our mission is to provide homeowners and future homeowners a variety of home financing options at competitive rates; fulfilling their needs in a manner that enhances their standard of living in realizing the American Dreams and we work hard to be leaders in the industry, to stand out from the competition, and, above all.

  • Happy State Bank
  • 100 E Main St, Happy, TX, 79042
  • Happy State Bank began in 1908 in Happy, TX. While we’ve grown in size, locations, & assets, we like to keep the feel of a small-town Bank where everyone knows your name. Our core values are embedded in everything we do. You’ll notice these in our communications, in the way we serve our customers & communities & in the attitudes of our employees.

  • Carmine State Bank
  • 235 Centennial Street, Carmine, TX, 78932
  • Carmine State Bank provided banking services to the community of Carmine, Texas and surrounding areas. Carmine State Bank was established in 1907 and is locally owned and operated. We appreciate our many loyal customers for their continued trust in Carmine State Bank. For over 100 years our mission has remained the same.

  • Industry State Bank
  • 16886 Fordtran Blvd, Industry, TX, 78944
  • Industry State Bank was founded as an institution involved in the progress of the town of Industry, Texas and the surrounding area. On February 9, 1911, a group of interested citizens took the initiative to begin the process of forming a bank in Industry. Its first name was the First Guaranty State Bank of Industry, and 100 shares of capital stock.

  • Mint Financial Group
  • 4577 Nob Hill Road, Suite 201, Fort Lauderdale, FL, 33351
  • Mint Financial Group got its start back in 2010 operating out of a humble 100 square foot office in Ft. Lauderdale, FL. It was in the early years that Felipe Catano, its founder, and President, quickly learned that there was a lack of transparency and lack of consulting in the business lending space. While working with small business owners

  • Hollywood Mortgage LLC
  • 5600 Northwest 102 Avenue, Suite I, Sunrise, FL, 33351
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  • Professional Mortgage Group Inc
  • 5369 North Nob Hill Road, Sunrise, FL, 33351
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  • International Mortgage & Finance Group Inc
  • 4300 North University Drive, Suite A-107, Lauderhill, FL, 33351
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  • My Land Mortgage LLC
  • 4577 Nob Hill Road, Suite 204, Fort Lauderdale, FL, 33351
  • At My Land Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Bank of Colorado
  • 1609 E Harmony Rd, Fort Collins, CO, 80525
  • Bank of Colorado is a family-owned, locally managed, Colorado community bank with a 38-year history in Colorado guided by a strong community-banking model of local management and local control. Bank of Colorado is known for its strength and stability, superior customer service and active involvement in the communities it serves.

  • Summit Home Mortgage, LLC
  • 375 E Horsetooth Rd, Building 2, Suite 201, Fort Collins, CO, 80525
  • Our team is your dedicated mortgage broker located in Fort Collins, Colorado. We believe your mortgage is more than a liability. If designed properly it can be a vital tool in helping you achieve your personal and financial goals.

    Since your home is likely to be one of your largest assets, and your mortgage your largest debt