For 2025, 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
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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 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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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