USDA VS FHA in Romulus, Wayne County, MI

In 2026, the USDA loan limit in Romulus, within the county of Wayne, MI, is $336,500. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today, evaluating income, credit, reserves, and needed documents for qualification. Our advanced mortgage calculator sets USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program in tailored to your financial situation.

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2026 Loan Limits and Downpayment Requirements in Romulus, County of Wayne, MI

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

Options for USDA and FHA Loans in Romulus, MI

Lendersa® aims to quickly connect you with the best USDA or FHA loans without hassle. Choose one of three ways to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MI?

The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that need a 3.5% minimum down payment, USDA mortgages do not require any down payment.

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



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  • Southern Home Mortgage Corporation
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