In 2026, the USDA loan limit for Sparta, in Kent County, MI, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today's top USDA and FHA rates, as well as determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to finding the most suitable USDA or FHA loan swiftly and without hassle. Start with one of three initial options to connect with lenders offering USDA loan programs that match your needs.
A USDA home loan is backed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas and does not require a down payment, unlike FHA loans that require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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