USDA and FHA Pro and Con in Monroe, Monroe County, MI

In 2025, USDA loan limit in Monroe, county of Monroe, MI is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Monroe, county of Monroe, 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 options in Monroe, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • 14930 Ventura Blvd, Suite 240, Sherman Oaks, CA, 91403
  • ClearCap inc. is an individualized Broker for complete financing needs. We employ, Work with, and have long standing relationships with wholesale and non-retail banks. We can link you directly to the lender without any other institutions involved so that you are able to deal with decision makers who can progress your file.
  • Loan Science
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  • Loan Science is a high volume, boutique lending firm celebrating its 12th year in real estate finance. Having a solid reputation for quality business, the company has created a culture of success, based on loan officer support, product access, marketing strategies, generous compensation structure, and a sincere sense of team.
  • NextGen Residential
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  • Veterans of America Mortgage, we take great pride in our history. We’ve experienced tremendous success because of our unwavering commitment to enhancing lives every day. We’re honored to say we’ve helped thousands of military families purchase the home of their dreams and we are dedicated to continually providing service.
  • New Vision Real Estate & Investments
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  • Our company strives for excellence. We open our services to anyone in California, that's how confident we are in our ability to aid those in need of real estate guidance. Investors, brokers, agents, clients, and anyone that is interested in matters revolving around real estate is welcome to contact a member of our team.
  • ALG Mortgage Inc.
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  • Mortgage Globe Inc is a premier mortgage company that specializes in residential and complex commercial loans. With years of expertise and knowledge in the area of mortgage loan, we have managed to build trust and strong customer relationship through in-depth understanding of clients’ needs and expectations.
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  • Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees.We make it possible to invest and make a good return while also contributing to something good.
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  • Patch of Land
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