USDA Vs. FHA Pro and Con comparison in Muskegon, Muskegon County, MI

In the year 2025, the USDA loan limit for Muskegon, within the county of Muskegon, MI, is $336,500. Meanwhile, the maximum FHA loan for a single-family residence is set at $472,030.

Employ the Lendersa® USDA loan calculator to compare current USDA and FHA rates. This tool helps you assess the necessary income, credit requirements, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting in selecting the most suitable option for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Muskegon, Muskegon, 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 Opportunities in Muskegon, MI

Lendersa® aims to facilitate the swift acquisition of competitive USDA or FHA loans without hassle. Begin with one of three options, leading you to lenders and USDA loan programs matching your needs.

Lendersa USDA loan request overview and results

Understanding What a USDA Loan Means in MI

A USDA home loan, guaranteed by the Department of Agriculture, is commonly referred to as a USDA rural development loan or USDA mortgage. These loans are available only in rural areas. Unlike FHA loans that necessitate a down payment of at least 3.5%, USDA mortgages require zero down payment, offering a more accessible path to homeownership for qualified individuals in designated areas.

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



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