In the year 2026, the USDA loan limit for Southfield, located in the county of Oakland, MI, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the best rates between USDA and FHA today, and assess the income, credit, reserves, and documentation necessary for qualification. Our advanced calculator lets you view USDA, FHA, Conforming, and VA loans side by side to identify which program is best for your financial situation, particularly in Alabama.
Check loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to quickly securing the best USDA or FHA loan for you, without hassle. Choose one of three initial points to connect with matching lenders and explore USDA loan programs.
The USDA home loan is a government-backed loan by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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