USDA and FHA Pro and Con in Rockford, Kent County, MI

As of 2025, the USDA loan limit in Rockford, within Kent, MI, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, calculating the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side to determine which program in aligns best with your financial needs.

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2025 Loan Limits and Downpayment Requirements in Rockford, Kent, MI

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

Exploring USDA and FHA Loan Options in Rockford, MI

Lendersa®' mission is to help you swiftly and seamlessly secure the best USDA or FHA loans. Begin by choosing one of three starting points to connect with matching lenders and appropriate USDA loan programs.

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Understanding USDA Loans in MI

A USDA home loan, backed by the government through the Department of Agriculture—also called a USDA rural development loan or USDA mortgage—is accessible in rural areas only. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need no down payment, offering a significant benefit.

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



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