As of 2026, in the county of Kent, MI, the USDA loan ceiling set for Northview is $336,500, whereas for a single-family house under the FHA, it's capped at $472,030.
With Lendersa®'s USDA loan calculator, you can evaluate today’s USDA and FHA rates, understanding requirements like income, credit scores, reserves, and necessary documentation for eligibility. Our tool allows side-by-side comparisons of USDA, FHA, Conforming, and VA loans 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 aim of Lendersa® is to ensure you obtain the best possible USDA or FHA loan swiftly and smoothly. You can select from three pathways to align with lenders and USDA loan programs effectively.
A USDA home loan, known as a USDA rural development loan or mortgage, is a government-backed loan permissible solely in rural communities. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans need no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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