In 2026, the USDA loan limit for Richmond in Macomb, MI is $336,500, while the limit for FHA on a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA loans today, determining the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to identify the ideal 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® aims to swiftly secure the best USDA or FHA loan for you, without hassle. Select from three starting points to find matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage does not require any down payment, offering a financial advantage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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