USDA Vs. FHA Pro and Con comparison in St.-Clair, St. Clair County, MI
In 2025, the USDA loan limit for St.-Clair, county of St. Clair, MI, is $285,000, while the FHA cap is $356,362 for a single-family home.
Utilize Lendersa® USDA loan calculator to effectively compare the prime USDA vs. FHA rates available today. Determine the income, credit, reserves, and necessary documents to qualify. With our advanced mortgage tool, you can explore USDA, FHA, Conforming, and VA options side by side, assisting in determining which program in suits your financial circumstances best.
2025 Loan Limits and Downpayment Requirements 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%
Options for USDA and FHA Loans in St.-Clair, MI
Lendersa® commits to providing you with the most advantageous USDA or FHA loans quickly and with ease. Choose from one of three starting points that lead to connecting with lenders and identifying suitable USDA loan offerings.
The USDA home loan, backed by the government via the Department of Agriculture, is also referred to as the USDA rural development loan or USDA mortgage, designed specifically for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment at all.
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