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.
2026 Loan Limits and Downpayment Requirements in Southfield, County of Oakland, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Southfield, MI
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.
People Driven Credit Union is a member-owned, full-service financial institution helping members and their families with money management since 1928. PDCU was founded in 1928 as Detroit Federal Employees Credit union to serve as a primary field of membership of federal employees in the Detroit area and their families.
25200 Telegraph Rd, Suite 350, Southfield, MI, 48033
Lends in Michigan
We believe in small businesses and the people who grow them.
In fact, our mission at Credibly is to be the best small business lender. To make that happen, we leverage cutting-edge data science, technology, partner relations, and customer support to provide business owners with faster access to right-sized capital solutions.
26711 Northwestern Highway, Suite 200, Southfield, MI, 48033
Lends in Michigan
We obtain our clients information from a referred based system we have in place with real estate agents & brokers across the nation.From having a client’s information, we assist with any purchase or refinance need.Our exclusive service allows us to have a more intimate understanding of how we can help client make a stressful process a positive one.
Here at SafeWay we live by, every client every time, and we always make sure to offer the smartest mortgage solution from refinancing to purchasing your dream home. Our mission is to walk each client through the mortgage process and make sure we educate the client throughout the process of obtaining a new mortgage solution.
A team of professionals that believe everyone should be treated as if they lived next door. Our founders and team members have more than 150 years of combined experience helping clients all over the country choose the best loan program to help accomplish their goals. We leverage each client’s feedback as our entire team works.
29777 Telegraph Road, Suite 3580, Southfield, MI, 48034
Lends in Michigan
Our mission is to create awareness and a better understanding of reverse mortgages throughout the senior adult community as well as within the professional community. Our goal is to educate people completely, accurately, and honestly about the pros and cons of reverse mortgages. We hope to make a difference in the lives of many senior Americans.
300 Galleria Officentre, Suite 500, Southfield, MI, 48034
Lends in Michigan
At MiMutual Mortgage, the reason we exist centers on this simple phrase - Great People, Building a Great Company, Serving our Communities.
We believe that purchasing a home is one of life's most monumental events. It is more than a transaction - it is a life-changing investment. Our clients deserve the care
Extreme Loans (powered by First Savings Bank NMLS# 41131) is an EXTREMELY AWESOME mortgage branch that is here to help with any/all residential mortgage buying or refinancing needs. We lend nationwide so check us out online www.extremeloans.com or contact us #844CloseFast (844-256-7332)
300 Galleria Officentre, Suite 101, Southfield, MI, 48034
Lends in Michigan
United Mortgage Lending is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.
