In 2026, the USDA loan limit in Niles, Berrien county, MI, is $336,500, while the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's USDA versus FHA best rates, and to evaluate the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA loans, guiding you to determine which program fits your financial needs best in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to provide the best USDA or FHA loans promptly and effortlessly. Select one of three pathways to align with lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government via the Department of Agriculture and available exclusively in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, the USDA loan has no down payment requirement, offering a significant benefit to eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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