USDA and FHA Pro and Con in New-Baltimore, Macomb County, MI

In 2026, the limit for a USDA loan in New-Baltimore, Macomb county, MI, is $285,000, while the FHA limit for a single-family home is $356,362.

Lendersa® offers a USDA loan calculator to compare the top USDA vs. FHA rates today, determining the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator lets you view options like USDA, FHA, Conforming, and VA side by side, helping you choose the best program in for your financial needs.

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2026 Loan Limits and Down Payment Requirements in New-Baltimore, Macomb, MI

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in New-Baltimore, MI

Lendersa® aims to quickly and easily secure the best possible USDA or FHA loan for you. Start with one of three paths to match with lenders and USDA programs.

Lendersa USDA loan request and matching results

About USDA Loans in MI

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment, benefiting eligible borrowers.

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



  • Financial Plus Credit Union
  • 1831 25th Street, West Des Moines, IA, 50266
  • Financial Plus Credit Union is a full service financial institution which is cooperative in structure and serves the community of Des Moines, Iowa.We are in the business of improving the financial lives of our member/owners. Each account holder is an owner and is rewarded with personal service, the best rates and life stage products.

  • Homeservices Lending
  • 2700 Westown Pkwy, West Des Moines, IA, 50266
  • At HomeServices Lending, you can choose from wide range of home financing options including conventional conforming, fixed rate and adjustable rate, FHA and VA loans, jumbo financing, investment property financing, refinancing and renovation loans. Our mission is to provide credit-worthy customers

  • Summit Mortgage Corporation
  • 1501 42nd St, Suite 465, West Des Moines, IA, 50266
  • Summit Mortgage is changing the way homebuyers view and experience the mortgage lending process. In today’s technology-driven world, it’s easy to end up as another piece of data in an automated system. But we think homebuyers deserve better. That’s why we’ll provide you with personalized service, complete transparency

  • Midwest Independent Bank
  • 910 Weathered Rock Road, Jefferson City, MO, 65101
  • MIB is proud to be able to assist community banks with their lending needs! Our loan team is comprised of individuals specializing in many different areas of lending. Our experienced staff will deliver exceptional customer service in a very professional manner and also MIB is a “bankers’ bank” which provides a wide array of correspondent banking se

  • Missouri Baptist Credit Union
  • 400 East High Street, Jefferson City, MO, 65101
  • Missouri Baptist Credit Union has been open since 1963. The credit union has assets totaling $9.03 Million and provides banking services to more than 1, 000 members.

    The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.

  • MECE Credit Union
  • 2722 East McCarty Street, Jefferson City, MO, 65101
  • MECE Credit Union are not sponsored by Facebook or any other business. Employees, their immediate family members, and the Board of Directors of the Credit Union are not eligible for any prizes. All entrants must be members in good standing with the Missouri Electric Cooperatives Employees' Credit Union to be eligible for the drawing.

  • Hawthorn Bank
  • 132 E. High St., Jefferson City, MO, 65101
  • Founded in 1865, Hawthorn Bank has proudly served Missouri families and small businesses for more than 150 years. A strong supporter of our local communities, we are an advocate for schools, charities, and civic groups in all of our markets. We promote the economic development of our communities

  • Granite State Management & Resources
  • 4 Barrell Court, Concord, NH, 03302
  • The New Hampshire Higher Education Assistance Foundation (NHHEAF) Network has nearly 60 years of experience in helping New Hampshire families plan and pay for higher education. The NHHEAF Network aspires to be recognized as a capable, trusted, and innovative leader in educational loan services that enhance the promotion.

  • ST. CLOUD FINANCIAL CREDIT UNION
  • 5600 La Centre Ave, Suite 100, Albertville, MN, 55301
  • St. Cloud Financial Credit Union is a local not-for-profit. That means it is natural for us to focus on our members' needs, not our bottom line. We care, we partner with our members on their banking needs, and we build genuine relationships. We are committed to creating a meaningful difference for our members and our community.

  • Northeast Georgia Bank
  • 12461 Augusta Road, Lavonia, GA, 30553
  • At Northeast Georgia Bank, we’re proud to say that the spirit of community banking lives on! We make the effort to really “know” you as a customer and to help you find the right financial solutions.Our story began in 1906 with the founding of Vickery National Bank in Lavonia, Georgia, by C. W. Vickery and other investors

  • ROSS MORTGAGE COMPANY, INC.
  • 115 Flanders Road, Suite 120, Westborough, MA, 01581
  • Ross Mortgage offers a variety of mortgage loan products, and the company is a Direct Endorsed lender for the Federal Housing Administration and the Veteran’s Administration. As an approved lender, Ross Mortgage has the ability to originate, underwrite and close these government guaranteed mortgage loans in all the states where it holds a license.

  • Pioneer Bank
  • 301 Main Street, Mapleton, MN, 56065
  • Pioneer Bank is a community bank with nine locations throughout southern Minnesota including Mankato, North Mankato, St. James, St. Peter, Madelia, Mapleton, Lewisville and Lake Crystal. Pioneer Bank offers expertise in personal, business and agribusiness banking with bankers and staff that provide experience that is unparalleled