In 2026, the USDA loan ceiling for Muskegon-Heights in Muskegon county, MI, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Use Lendersa®'s USDA loan calculator to assess today's optimal USDA versus FHA rates and identify the necessary income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA options, assisting you in selecting the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to quickly provide you with the best USDA or FHA loans without complication. Start with any of the three options to connect with matching lenders and USDA programs.
A USDA home loan, commonly referred to as a USDA rural development loan or mortgage, is a program backed by the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require none, offering distinct advantages for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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