USDA Loan Vs. FHA loan pro & con 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.

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.

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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.

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(612) 379-3222 Lender's profile and map Reviews Union Bank and Trust Company 312 Central Avenue Southeast, Minneapolis, MN, 55414 At Union Bank & Trust, we know you want to feel secure and confident in your pursuit of a financial services partner, one that’s committed to providing you with services and solutions that meet and exceed your expectations. We believe you deserve a best-in-class team that is focused squarely on the personal.
(612) 730-5467 Lender's profile and map Reviews Access Home Loans LLC 601 Main Street Southeast, Suite 234, Minneapolis, MN, 55414 Access Home Loans is a Elite Minneapolis mortgage company Brian Kearney, company's founder and only originator, is an 18 year mortgage industry expert. Simple, smooth process and quick close is the goal for every transaction. LOCAL company, not out-of-state lender. Word-of-mouth and referrals from past clients are primary drivers of my business.
(515) 283-4195 Lender's profile and map Reviews Des Moines Metro Credit Union 100 University Avenue, Des Moines, IA, 50314 Des Moines Metro Credit Union was established in 1938 to serve the employees of the city of Des Moines. Throughout the years, we have grown to serve other large and small employer groups, such as Unity Point, DART, and Warren County. In 1997, we became a community credit union, which allows us to serve those who live and work in Polk County.
(515) 246-0010 Lender's profile and map Reviews Neighborhood Finance Corporation 1912 6th Ave, Des Moines, IA, 50314 NFC provides unique lending programs & other services to facilitate neighborhood revitalization in Polk County & Cedar Rapids, Iowa through partnerships with residents, governments, community-based organizations, lending institutions & the business community. To date, NFC has provided more than $250, 000, 000 in loans and grants in its lending area
(651) 797-4090 Lender's profile and map Reviews Minnesota Residential Mortgage, Inc. 2636 Ridge Lane, Mounds View, MN, 55112 At Minnesota Residential Mortgage, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(651) 631-3111 Lender's profile and map Reviews The Servion Group 500 Main Street, Saint Paul, MN, 55112 The Servion Group is a unique financial services company designed to meet the needs of community financial institutions. We exist to provide credit unions and community banks with the tools to reach their true potential. We view the institutions we support not as customers or clients, but as partners.
(203) 573-6227 Lender's profile and map Reviews Greater Waterbury Healthcare Federal Credit Union 64 Robbins St, Waterbury, CT, 06708 Greater Waterbury Healthcare FCU is a member-owned financial institution committed to the international credit union philosophy of “People Helping People.” That means we aim to help you build your financial stability. And we do that by returning profits to members in the form of lower loan rates, higher savings rates, little or no service charges.
(203) 753-9201 Lender's profile and map Reviews FD Community Federal Credit Union 601 Watertown Avenue, Waterbury, CT, 06708 FD Community Federal Credit Union is the oldest financial institution home based in Waterbury. We are a well established community institution in existence since 1934, providing the highest level of personal service and the most affordable financial services in the Greater Waterbury area.
(218) 834-2266 Lender's profile and map Reviews Two Harbors Federal Credit Union 801 11th Street, Two Harbors, MN, 55616 People in the Two Harbors area who believed townspeople could benefit from an alternative to commercial banks founded THFCU in 1948. Founders envisioned a model financial cooperative where people pooled their money for borrowing and would have a safe place to save money. In contrast to a commercial bank, the "credit union
(802) 871-4480 Lender's profile and map Reviews Northfield Savings Bank 210 College Street, Suite 201, Burlington, VT, 05401 Northfield Savings Bank is a local, community bank that provides full-service banking to individuals, families and businesses – from Home Mortgages, Home Equity Loans, Business Loans to Checking Accounts and Online Banking. With 13 branches across Central and Northwest Vermont, we are proud to be the largest bank headquartered in Vermont
(802) 654-4540 Lender's profile and map Reviews Opportunities Credit Union 25 Winooski Falls Way, Burlington, VT, 05401 Opportunities Credit Union is Vermont’s only community development credit union. Uniquely committed to Vermonters of low wealth, Opportunities’ mission is to build wealth, community, and opportunity through a fair and affordable financial system. Our primary market is Vermont’s 90, 000 low-income households.
(802) 863-0563 Lender's profile and map Reviews Asaro Mortgage, LLC 125 Bank Street, Suite 1, Burlington, VT, 05401 Asaro Mortgage was established in 2011 in Burlington, Vermont. The owner and broker is James Asaro. He has over 10 years of mortgage experience and hundreds of satisfied customers. James has lived in Burlington since 1996 and is a graduate from both Champlain College and the University of Vermont.