USDA VS FHA in St.-Clair, St. Clair County, MI

In 2025, USDA loan limit in St.-Clair, county of St. Clair, MI is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in St.-Clair, county of St. Clair, MI

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in St.-Clair, MI

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Michigan?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 101 Greenwood Avenue Suite 101, Jenkintown, PA, 19046
  • New City Commercial Capital arranges commercial mortgages for multifamily, mixed-use, retail, office buildings, hotels, industrial and net-leased properties. We work with seasoned real estate investors and developers to source and arrange Debt, financing for their projects. We arrange Acquisition Loans, Bridge Loans, Construction Loans, SBA Loans a
  • Orchard Hill Mortgage Company
  • 261 Old York Road, Suite 719, Jenkintown, PA, 19046
  • Orchard Hill Mortgage Company is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
  • Bank of Springfield
  • 3400 Wabash Ave, Springfield, IL, 62711
  • BOS is a bank and financial services provider with branches in Springfield, Chatham, Jacksonville, Quincy, Staunton, Glen Carbon, Swansea, and Shiloh, Illinois and Brentwood, Missouri. Visit our website for a full list of locations and hours. https://www.bankwithbos.com/locations.php
  • Prairie State Bank and Trust
  • 3751 W Wabash, Springfield, IL, 62711
  • Prairie State Bank & Trust is a community Bank with over $700 million in total assets, over 150 employees and 20 Bank locations throughout central Illinois. Prairie State Bank & Trust is the successor to a group of smaller community Banks acquired as early as 1968. We merged these Banks together over the past 20 years.
  • BancMac/Community Banc Mortgage Corp
  • 3200 W Iles Ave, Springfield, IL, 62711
  • Our commitment is to your success and that of your customers. That's why we offer a professional sales and service network designed to move your business forward by generating quick fundings, offering the most innovative products and programs and working with you to provide fast answers, fast decisions and fast purchases.
  • Town and Country Bank
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  • At Town and Country, you’ll work with dependable, local mortgage professionals who put years of experience to work in order to assist you in getting into the home of your dreams. Our intimate knowledge of Central Illinois real estate is essential to finding a custom mortgage loan to fit your needs.
  • University of Pennsylvania Students Federal Credit Union
  • 3401 Walnut Street, Suite 431A, Philadelphia, PA, 19104
  • The Student Federal Credit Union (SFCU) is the first and only Credit Union in the Ivy League and exclusively serves the University of Pennsylvania community. Founded in 1987 by three Wharton MBA students, the SFCU has been providing Penn students with secure, efficient, and convenient financial services for almost 25 years.
  • Penn Federal Credit Union
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  • Penn Federal Credit Union is a non-profit organization. In other words, every member equally owns the credit union. Any money made above the cost of operations is returned to the members in the form of better rates on deposits, better loan rates and lower fees. The credit union is governed by a Board of Directors, and all credit union accounts.
  • Spring EQ LLC
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