USDA Loan Vs. FHA loan pro & con Port-Huron, St. Clair County, MI

In 2025, USDA loan limit in Port-Huron, county of St. Clair, MI is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Port-Huron, MI

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What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(800) 634-2340 Lender's profile and map Reviews CAP COM Federal Credit Union 4 Winners Circle, Albany, NY, 12205 CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier
(518) 446-9629 Lender's profile and map Reviews Fort Orange Funding 21 Everett Rd. Ext, Albany, NY, 12205 Fort Orange Funding, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage.
(518) 464-4454 Lender's profile and map Reviews Stockbridge Capital, LLC 1698 Central Avenue, Albany, NY, 12205 Stockbridge Capital, LLC has been an industry leader in the acquisition and management of vacant land real estate assets throughout the nation. With a primary focus on portfolios comprised of vacant land loans as well as REO, the firm is also involved in purchasing portfolios secured by mobile homes and land.
(800) 342-4998 Lender's profile and map Reviews OwnersChoice Funding 1021 Watervliet Shaker Road, Albany, NY, 12205 Over the past 30 years, the mortgage professionals at OwnersChoice have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financing that fits your life. It’s the kind of excellence and “personal touch” you’d expect from a home lending partner with deep roots in the credit union movement.
(518) 459-3239 Lender's profile and map Reviews Empower Mortgage, LLC 1218 Central Avenue, Suite 2, Albany, NY, 12205 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(518) 505-1304 Lender's profile and map Reviews Homeowners Advantage 4 Winners Circle, Albany, NY, 12205 Homeowners Advantage provides affordable home real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors and builders in order to make the dream of owning a home a reality. We provide the highest level of integrity, professionalism and customer service in the mortgage industry.
518-435-1119 Lender's profile and map Reviews CMN Funding 1510 Central Ave Suite 380, Albany, NY, 12205 CMN Funding is a financial services company that specializes in the needs of the commercial client. CMN is a full service outlet for many types of commercial financing. Our primary focus is to obtain funding for commercial real estate transactions. Our company pledge is to work very hard to find the right home for every deal. CMN has long standi
(845) 774-0831 Lender's profile and map Reviews O&R Utilities Employees Federal Credit Union 14 Talmadge Court, Monroe, NY, 10950 On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY
(845) 233-6577 Lender's profile and map Reviews Astar Home Capital Inc 48 Bakertown Road, Suite 204, Monroe, NY, 10950 Astar Home Capital, your best interest is our only goal. Putting this mindset into action, we focus on educating you as a customer, explaining the details and advantages of all the different options. Staying constantly in touch, our brokers go above and beyond, leaning on their years of experience, knowledge, and creativity to secure loans.
(845) 781-2400 Lender's profile and map Reviews Capital M Inc. 48 Bakertown Rd, Suite 303, Monroe, NY, 10950 Capital M believes that the success of the mortgage depends on a smooth and efficient system. From origination until closing and beyond, The M Method is designed to take the confusion, headache, and uncertainty out of the equation.Mayer Gross and his team, has been helping people secure low-rate mortgages for more than 23 years.
(845) 419-8000 Lender's profile and map Reviews THE MINT CAPITAL INC 24 Gilbert St Extension, Monroe, NY, 10950 At Mint Capital, we’ll help you get approved for your dream home. Show us the home you would like to purchase and we’ll advise you on the best options to make it yours. Our team has an unmatched, deep understanding of the mortgage application process and the strongest selection of loan options that other brokers aren’t aware of or cannot access.