For the year 2026, the USDA loan limit in Royal-Oak, in the county of Oakland, MI, is set at $285,000, whereas the limit for FHA loans specifically for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. This will help you determine the required income, credit score, reserves, and documents for qualifying. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best option 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 primary aim of Lendersa® is to help you quickly secure the best USDA or FHA loan with minimal hassle. You can begin with any of the three starting points that align you with suitable lenders and USDA loan programs available.
A USDA home loan, assured by the government's Department of Agriculture, also known as a USDA rural development loan or a USDA mortgage, is intended solely for rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, the USDA mortgage loan does not require any down payment, offering a significant financial advantage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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