USDA Vs. FHA your options comparison in Portland, Ionia County, MI
In 2025, the USDA loan limit for Portland in the county of Ionia, MI reaches $336,500, while the FHA cap is $472,030 for a single-family house.
Leverage the Lendersa® USDA loan calculator to juxtapose today's best rate options between USDA and FHA, helping identify the income, credit, reserves, and necessary documents for qualification. With our superior mortgage calculator, compare USDA, FHA, Conforming, and VA offers side by side. This comparison assists in choosing the ideal program suited to your financial scenario in .
2025 Loan Limits and Downpayment Guidelines in Portland, Ionia County, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Alternatives in Portland, MI
Lendersa® aims to efficiently secure the best USDA or FHA loan for you with ease and speed. Choose from three starter options that connect you with matching lenders and suitable USDA loan programs.
A USDA loan, backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA mortgages do not call for any down payment.
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