USDA Loan Vs. FHA loan pro & con Oxford, Oakland County, MI

For 2026, the USDA loan limit in Oxford, within Oakland county, MI, is set at $336,500, whereas the limit for an FHA loan on a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to compare the optimal current rates for USDA versus FHA. Evaluate the income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in .

Exploring USDA and FHA Loan Options in Oxford, MI

The aim of Lendersa® is to secure the most favorable USDA or FHA loan quickly and conveniently. Choose from one of three paths to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in MI

USDA home loans, guaranteed by the Department of Agriculture and also known as USDA rural development loans or mortgages, are available only in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans do not require any down payment.

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(801) 999-8275 Lender's profile and map Reviews The loan chef 488 East 6400 South, Suite 300, Salt Lake City, UT, 84107 Most anyone can close a deal; what sets The Loan Chef above the rest is how sweet the entire process is. With over a decade and a half of mortgage experience, an MBA from Westminster College, and numerous professional relationships throughout the real estate/construction industry
(801) 550-1796 Lender's profile and map Reviews The Z Mortgage Team 4500 S 777 E, Suite 215, Salt Lake City, UT, 84107 Shilo has nearly a decade of experience in the mortgage industry & currently holds his professional license. Shilo can offer borrower(s) a broad range of knowledge about the business, the loan process, and how to meet or exceed every borrowers mortgage needs. Combining the winning blend of an outgoing personality with a creative mind.
(801) 604-4949 Lender's profile and map Reviews Jumbo Mortgage Utah 512 East Winchester, Suite 6400, Salt Lake City, UT, 84107 "WWW.JUMBOMORTGAGEUTAH.COM is Utah’s premiere Jumbo Home Mortgage Lender. We offer the lowest Jumbo Mortgage rates in Utah and we make the process simple, straightforward and fast for Borrowers seeking a mortgage in Utah. Our Jumbo, Conventional and VA mortgage rates are the lowest available in Utah."
(917) 338-2555 Lender's profile and map Reviews Commercial Mortgage Loans 869 E. 4500 S, Suite 370, Salt Lake City, UT, 84107 Commercial Mortgage Loan and Commercial Financing Receive up to your four best Commercial Mortgage Loan offers in 24 hours following your Commercial Loan Application submission direct from our Commercial Mortgage Lenders without pulling credit for Commercial Purchase or Commercial Refinance.
(801) 281-0205 Lender's profile and map Reviews FSI Mortgage, L.C. 111 East 5600 South, Suite 102, Murray, UT, 84107 FSI Mortgage provides residential mortgage loans, lines of credit and FHA and VA loans. Since we do not work for any one lender, but rather a variety of lenders, we help to determine the loan that best fits you and your circumstances. We offer competitive rates and exceptional service, which will meet and exceed your expectations.
(801) 560-3639 Lender's profile and map Reviews Next Level Home Loans 684 East Vine Street, Suite 4B1, Murray, UT, 84107 We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult & confusing process of choosing and getting the exact loan to meet your specific needs.
(310) 737-8140 Lender's profile and map Reviews U.S. Capital Group, LLC 404 E 4500 S A23, Murray, UT, 84107 U.S. Capital Group is a residential and commercial wholesale mortgage lender, licensed in several states across our beautiful country. Our team has many years of experience with long runway before them. They firmly believe in building and leaving a legacy that will bless generations to come.
(801) 261-2617 Lender's profile and map Reviews Trillion Mortgage 5272 College Dr, Suite 101, Murray, UT, 84107 Trillion Mortgage, we are expert Utah brokers who like to educate our clients through the mortgage process so that they know ALL their options. By having all the correct information, our clients can make the most informed decision for what loans are best for them. Our lenders provide a variety of options, including traditional, FHA, and VA loans.
(801) 900-6416 Lender's profile and map Reviews GreenStreet Mortgage, LLC. 4001 South 700 East, Suite 500, Millcreek, UT, 84107 GreenStreet Mortgage is founded on the principal of creating outstanding customer experience. We know the mortgage process can be daunting for many. With friendly and experienced loan professionals we create an experience catering to each individual, making the process fast, easy and smooth
(801) 846-8243 Lender's profile and map Reviews Vintage Lending 777 E 4500 S, Suite 220, Salt Lake City, UT, 84107 Vintage Lending providing clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home.
(801) 981-5690 Lender's profile and map Reviews Avanti Mortgage, LLC 6040 S Fashion Blvd, Suite 101, Murray Utah, UT, 84107 The Avanti Mortgage team has served the needs of borrowers for over two decades. Collaboratively we have over 100 years of mortgage experience. As a mortgage broker, Avanti offers many advantages over other lenders. We do not have the huge overhead that large mortgage bankers have, so we can give our borrowers the most competitive rates possible.
(801) 590-4499 Lender's profile and map Reviews RoBUS Finance LLC 5295 S Commerce Dr, Suite 205, Salt Lake City, UT, 84107 RoBUS Mortgage is a direct lender and a broker currently licensed in 10 states with more on the way. We are averaging close to 12 days from application to clear to close on conventional loans in most states. We don't have much overhead and pass that on to our clients in the form low pricing.