USDA VS FHA in Portage, Kalamazoo County, MI

In the year 2025, the USDA loan limit for Portage, located in Kalamazoo county, MI, is $336,500. Meanwhile, the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates and identify the necessary income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting in choosing the appropriate program in for your financial requirements.

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2025 Loan Limits and Downpayment Requirements in Portage, Kalamazoo, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Portage, MI

At Lendersa®, our objective is to promptly provide you with the best available USDA or FHA loan, avoiding unnecessary hassles. Choose one of three starting points that pair you with matching lenders and appropriate USDA loan programs.

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Understanding USDA Loans in MI

A USDA home loan, guaranteed by the Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is exclusive to rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA loan demands no down payment, providing a significant advantage.

Enter your location to find out if it qualifies for USDA rural housing loan?



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