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