USDA Vs. FHA your options comparison in Mount-Clemens, Macomb County, MI
In 2026, the USDA loan limit in Mount-Clemens, county of Macomb, MI, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize Lendersa® USDA loan calculator to compare top USDA vs. FHA rates today, and determine the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, assisting in choosing the best program in suitable for your financial scenario.
2026 Loan Limits and Down Payment Needs in Mount-Clemens, County of Macomb, MI
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conforming Conventional
$548,250
3%
USDA and FHA Loan Options in Mount-Clemens, MI
The aim of Lendersa® is to help you secure the best USDA or FHA loans quickly and without hassle. Start by choosing one of three pathways that lead to matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, known also as the USDA rural development loan or mortgage, and is available only in rural neighborhoods. Unlike FHA loans, requiring a minimum of 3.5% down payment, USDA mortgages have no down payment requirement.
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