For 2026, in Plymouth, county of Wayne, MI, the USDA loan cap is $336,500, whereas the FHA limit for a single-family house is $472,030.
Use Lendersa® USDA loan calculator to contrast the best current USDA and FHA rates, determining what's necessary for income, credit, reserves, and documentation to qualify. Our comprehensive mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program 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% |
Lendersa® is committed to helping you find the best USDA or FHA loan swiftly and with minimal hassle. Choose from three starting points that connect you to lenders and USDA loan options.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also referred to as a USDA rural development loan. It is specifically available in rural areas and does not necessitate any down payment, unlike FHA loans, which require at least 3.5% down.
Enter your location to find out if it qualifies for USDA rural housing loan?
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