FHA Vs. USDA loan program for Monroe, Monroe County, Michigan

For 2026, 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.

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.

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Monroe Lenders
(734) 242-3222 Lender's profile and map Monroe Community CU 715 N Telegraph Road, Monroe, MI, 48162 Lends in Michigan We are a locally owned & operated financial institution. We have protected the finances of residents and employees in Michigan since 1953, and our long history has established us as a trusted financial institution and advisor to our members. Formed in December of 1953, what exists today was originally the Consolidated Paper Credit Union (CPCU)
(734) 675-3100 Lender's profile and map Shore to Shore Community Federal Credit Union 4550 Division Street, Trenton, MI, 48183 Lends in Michigan Shore to Shore Community Federal Credit Union serves individuals who live, work or worship in the communities of Trenton, Woodhaven, Grosse Ile, Allen Park, Brownstown, Ecorse, Flat Rock, Rockwood, Gibraltar, Lincoln Park, Melvindale, River Rouge, Riverview, Southgate, and Wyandotte.
248-613-9044 Lender's profile and map Delmar Mortgage 2360 W Jefferson Suite 101, Trenton, MI, 48183 Lends in Michigan I have been serving my clients for 15 years now and truly love what I do. After graduating from the University of Michigan I worked in several industries until I was fortunate enough to be introduced to the mortgage business by a friend of my families. I have never looked back as I love what I get to do every day.
(734) 281-3900 Lender's profile and map Community Focus Federal Credit Union 18925 Telegraph Road, Brownstown, MI, 48174 Lends in Michigan Community Focus Federal Credit Union, formally National Steel Federal Credit Union, was originally chartered in 1960 as a financial cooperative serving the salaried employees of National Steel and their families. In January 2002, CFFCU became a community chartered credit union to better serve the National Steel employees
(734) 641-8400 Lender's profile and map Public Service Credit Union 7665 Merriman Road, Romulus, MI, 48174 Lends in Michigan Public Service Credit Union is a community credit union with 15 locations in the Metro Detroit Area.We are a full service financial institution dedicated to serving members since 1952. PSCU is devoted to providing its members with a lifetime of dependable financial service. Like all credit unions, PSCU is a member owned, not for profit .