In the year 2026, the USDA loan limit set for Rochester-Hills, located in the county of Oakland, MI, is $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.
For those seeking to understand today's best rates, use the Lendersa® USDA loan calculator to evaluate USDA versus FHA offerings. It assists in determining necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator conveniently presents USDA, FHA, Conforming, and VA options side by side, facilitating a more straightforward decision-making process on the most suitable program for your financial standing in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The main objective of Lendersa® is to swiftly and effortlessly secure the optimal USDA or FHA loans for you. You have the option to select one of three starting approaches that result in matching with lenders providing these USDA loan programs.
A USDA home loan, known for being guaranteed by the Department of Agriculture, is commonly referred to as a USDA rural development loan or USDA mortgage. These loans are exclusively offered in rural locales. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment, thereby making homeownership more accessible for eligible applicants in these designated regions.
Enter your location to find out if it qualifies for USDA rural housing loan?
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