USDA Vs. FHA your options comparison in Manistee, Manistee County, MI

In 2025, the USDA loan limit in Manistee, located in Manistee, MI, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

With Lendersa®'s USDA loan calculator, you can contrast today's best rates between USDA and FHA, determining income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, aiding your decision about the most suitable program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Manistee, Manistee, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Opportunities in Manistee, MI

The objective of Lendersa® is to secure the best USDA or FHA loan for you swiftly and without complication. Pick one of three options to find suitable lenders and USDA programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in MI

A USDA home loan, also known as a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture and is made for rural areas only. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require none, offering a considerable benefit to qualifying borrowers.

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



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