In the year 2026, the USDA loan limit for Pontiac in Oakland county, MI is $336,500, while the FHA loan cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's competitive USDA versus FHA rates and determine what income, credit, reserves, and documents are required for eligibility. This advanced mortgage calculator enables you to compare USDA, FHA, Conforming, and VA loans side by side, helping you choose 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% |
At Lendersa®, our mission is to secure the best USDA or FHA loan for you promptly, devoid of hassle. You can start with any of three options leading to matching lenders and USDA loan programs.
A USDA home loan is secured by the government via the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, and is intended only for rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans come with no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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