USDA VS FHA in Monroe, Monroe County, MI

For 2025, the USDA loan limit in Monroe, within Monroe, MI, is $336,500, whereas the FHA loan limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to assess today's most competitive USDA versus FHA rates. Determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, aiding in choosing the best program in suited to your financial situation.

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Overview of 2025 Loan Limits and Downpayment Requirements in Monroe, Monroe, MI

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

Exploring USDA and FHA Loan Options in Monroe, MI

Lendersa® is focused on securing the best USDA or FHA loan for you swiftly and without the usual hassle. Choose from three options that connect you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining the USDA Loan in MI

A USDA home loan, backed by the government via the Department of Agriculture, goes by various names such as USDA rural development loan or USDA mortgage, and it is limited to rural neighborhoods. Unlike FHA loans that need at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • Silverado Funding LLC
  • 10300 SW Greenburg Road - Suite 270, Portland, OR, 97223
  • Silverado Funding LLC is a mortgage banker and lender specializing in private money loans to individual borrowers or businesses in need of financing for real estate transactions. Established in 2006, we have provided funding on more than 900 investment transactions. We originate, process, fund, and service all of our loans.
  • Mortgage Express
  • 10260 SW GREENBURG ROAD, SUITE 830, Portland, OR, 97223
  • ortgage Express has been an industry leader in residential lending since our doors opened in 1999. From a single office located just outside of Portland, OR, Mortgage Express has grown to 8 offices throughout Oregon and Washington by developing lasting relationships with our valued clients and referral partners.
  • Options Financial Residential Mortgage NMLS 829593
  • 8625 SW Cascade Ave, Suite 270, Beaverton, OR, 97008
  • Our mission is to empower you to make successful mortgage decisions. We’re committed to always thinking long-term. At Options Financial Residential Mortgage, we want to help you purchase your first home… your second home, and your third. We want to show you that a mortgage loan can be more than just a business transaction.
  • Allied Healthcare Federal Credit Union
  • 2801 Atlantic Ave, Long Beach, CA, 90806
  • Since 1956, Allied Healthcare Federal Credit Union (AHFC) has been serving the extended medical communities of a wide-range of medical groups and hospitals within Southern California. We're dedicated to providing each of our members with the best possible service, convenient solutions, competitive rates and "Financial Healthcare for Life.
  • Summit Lending of Long Beach
  • 3880 Kilroy Airport Way, Suite 10, Long Beach, CA, 90806
  • Summit Lending of Long Beach is a branch office of the Orange County-based Summit Lending, a direct mortgage lender, specializing in FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for home buyers and homeowners throughout California. As a direct lender, quite frankly, we call the shots.
  • United American Mortgage Corporation
  • 3780 Kilroy Airport Way Suite 200, Long Beach, CA, 90806
  • Jack Skovgard is your premier mortgage broker located in Long Beach, California. Jack offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Long Beach area. Whether you are first time home buyer, purchasing your dream home,
  • Axxess Capital Mortgage Corporation
  • 3780 Kilroy Airport Way, Suite 200-770, Long Beach, CA, 90806
  • Axxess Capital Mortgage. I know you'll find the services offered here helpful and the loan programs not only convenient, but very competitive. It's our goal to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your needs
  • Incom Capital
  • 2255 Lemon Avenue, Long Beach, CA, 90806
  • Incom Capital is committed to building the optimal financing structure for each client transaction.We provide capital for the purchase, re-capitalization and acquisition & development of residential and commercial real estate projects. Our team brings 50+ years of experience and relationships with over 2500 lenders.
  • Fresn credit union
  • 1004 North Van Ness Ave, Fresno, CA, 93728
  • On December 3, 1954, The Fresno Police Department Credit Union was established. The original location was in one of the rooms at the old police department in downtown Fresno. The first member to join our credit union was our police chief at that time. Now we have almost 4000 members.
  • Mission Mortgage
  • 10343 Sepulveda Boulevard, Mission Hills, CA, 91345
  • Our Mission is to provide the most efficient and high-quality mortgage lending services to all the families in the community we serve. Mission Mortgage has a strong and professional team available at your disposal to help assist in your home mortgage loan needs. Our team specializes in FHA and Conventional Loans.