USDA VS FHA in Rochester, Oakland County, MI

In 2025, USDA loan limit in Rochester, county of Oakland, MI is $336,500 while FHA limit is $472,030 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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2025 loan limits and downpayment requirments in Rochester, county of Oakland, MI

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

USDA and FHA loan options in Rochester, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

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.

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



  • California Platinum Loans
  • 6303 Owensmouth Ave, 10th Floor, Woodland Hills, CA, 91367
  • California Platinum Loans mission is to provide the right financial solutions for individuals & families to accomplish their real estate goals. Our relationships with clients often last long after the closing. We serve our clients in an advisor role rather than just a transactional lender role.
  • Covenant Loan Funding Corporation
  • 6303 Owensmouth Avenue, 10th Floor, Woodland Hills, CA, 91367
  • Covenant Loan Funding Corporation full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.
  • Realty Network Alliance Group Inc.
  • 5850 Canoga Ave, Suite 400, Woodland Hills, CA, 91367
  • Realty Network Alliance Group, Inc. invite you to enjoy navigating through our free extensive search engine. Find your dream home by specific area and personalized criteria in all of Los Angeles and surrounding counties. Search incredible Los Angeles real estate deals by limiting your search to foreclosures and short sales
  • Nuline Funding Inc.
  • 21550 Oxnard Street, Suite 300, Woodland Hills, CA, 91367
  • Nuline Funding, Inc is a customer satisfaction as our main currency but when it comes to loans, our team's extensive knowledge of the in's and out's of the mortgage industry is a tool at your disposal. We cover: 15/30 year fixed-rate loans, adjustable-rate loans, reverse mortgages, second mortgages, government-insured loans.
  • Fifth Avenue Realty
  • 21900 Burbank Boulevard, Suite 300, Woodland Hills, CA, 91367
  • Fifth Avenue Realty is a full service real estate company serving the real estate needs of the San Fernando Valley and adjacent cities and communities. We provide both brokerage and mortgage loan origination services with unparalleled excellence, integrity and dedication.With Fifth Avenue Realty, you have a trusted real estate advisor.
  • JFK Realty & Loan Depot
  • 5850 Canoga Avenue, Suite 400, Woodland Hills, CA, 91367
  • JFK Realty & Loan Depot Inc JFK operates on the principle of collaboration, “Power of Two”: the combination Realtor/Lender relationship. By working together and helping each other we achieve greater results for our clientele.We offer both Realtor and Lender services under the same roof.
  • National One Financial Services, Inc.
  • 6355 Topanga Canyon Boulevard, Suite 250, Woodland Hills, CA, 91367
  • National One Loans, Inc. is a subsidiary of National One Financial Services Inc. a CA licensed mortgage company since 2013. National One Loans, Inc.’s focus is primarily on mortgage origination services. The company corporate office is located in the city of Woodland Hills, in the county of Los Angeles.
  • Pacific First Equity Services
  • 21031 Warner Center Ln, Suite B, Woodland Hills, CA, 91367
  • Pacific First Equity Services offers a line of Private Money Lending, Construction, Residential, Commercial and Equity Capital. In Residential Services, our company offers a full line of products including FHA, VA, Conventional, FNMA, FHLMC, USDA as well as Construction, and Private Money Loans.
  • Rex Home Loans, LLC
  • 21550 Oxnard Street, Suite 100, Woodland Hills, CA, 91367
  • We created REX in 2015 to bring residential real estate into line with today’s expectations by using AI and big data to push past the outmoded practices of traditional real estate brokers to provide a superior outcome for both buyers and sellers at one-third the cost. We use data modeling and machine learning to match sellers
  • LendMe
  • 23149 Califa St, Woodland Hills, CA, 91367
  • "At LendMe, we’re committed to providing unique lending solutions to real estate investors for business purpose loans. ​ If you’re a real estate investor, our team at LendMe can help you reach your goals and meet your deadlines. Feel free to reach out to us today and see how we are able help!"
  • Peak Finance Company
  • 5900 Canoga Avenue Suite 200, Woodland Hills, CA, 91367
  • At Peak Finance Company, Residential we serve realtors, CPAs, business and financial planners as well as homeowners and new home buyers with the goal of making the process of obtaining a mortgage as easy, convenient and affordable as possible. With expert staff, advanced capital market knowledge and highly-competitive mortgage loan programs etc..
  • Members Tech Mortgage Inc
  • 5833 Horseshoe Bar Rd, Loomis, CA, 95650
  • Every day we emphasize our customers always come first, it starts with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.