USDA Vs. FHA your options comparison in St.-Clair-Shores, Macomb County, MI
As of 2026, the USDA loan limit in St.-Clair-Shores, within Macomb county, MI, is $285,000. In comparison, for a single-family home, the FHA loan limit is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine what income, credit, reserves, and documents are necessary for qualification. By using our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in fits your specific financial needs best.
Overview of 2026 Loan Limits and Downpayment Requirements in St.-Clair-Shores, Macomb, MI
Loan Category
Maximum Loan Limit
Required Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Explore USDA and FHA Loan Options in St.-Clair-Shores, MI
Lendersa® aims to swiftly and efficiently secure the best USDA or FHA loan for you. Choose one of the three starting points to connect with matching lenders and qualified USDA loan programs.
A USDA home loan is one secured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering a valuable benefit.
27735 Jefferson Ave, Saint Clair Shores, MI, 48081
Lends in Michigan
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan by utilizing the 23 years of experience.
First State Bank is a Michigan Based Community Bank serving southeastern Michigan and is a full-service bank with 11 branches, Loan Centers in Clinton Township and Farmington Hills and headquarters in St. Clair Shores. First State Bank offers consumer and business checking and savings accounts, mortgages, home equity loans, credit cards.
27560 Groesbeck Hwy, Suite 2, Roseville, MI, 48066
Lends in Michigan
We fund hard money commercial loans. With over fifty Private Lenders. Even in these tough economic times KCG is able to fund difficult hard money commercial loans that most other lenders would turn down. Special Circumstance Financing Structures are available for almost any type of commercial real estate, that cannot be funded
Live Life Federal Credit Union has been proudly servicing our members’ financial needs since 1952. It began when The UAW Local 247 of Thompson Products organized Thompson Product Employee’s Federal Credit Union under Charter #7927. In 1958, the plant changed names from Thompson Products Michigan Division to Thompson Ramo Woolridge Incorporation.
Citizens Home Loan Specialize in purchase and refinance transactions in Michigan and Colorado. Loan Types: Jumbo, Conventional, FHA, VA and USDA (rural development) NMLS 142908 Jay Wojciechowski 14 years of experience in Residential Mortgage Lending for purchase and refinance transactions. Conventional, FHA, VA, USDA & Jumbo
81 Kercheval Avenue, Suite 204, Grosse Pointe, MI, 48236
Lends in Michigan
Hill Mortgage is based in Grosse Pointe Farms, Michigan. Founded by Jason Kaleta, Brendan Fossee & Dane Fossee. We are one of Michigan’s fastest growing mortgage brokerages. Our number one priority is customer service and creating meaningful and lasting relationships with our clients
Warren Municipal FCU, you’re not just a customer but part-owner of your credit union. Member assets are pooled to provide loans and other financial services to fellow members. Credit unions are not-for-profit, which means that instead of dividends going to shareholders, the profits are put back into the credit union
At New Inception Mortgage, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our ARMs. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.
FreeStar Financial Credit Union was originally established in 1957 at what is now the Selfridge Air National Guard Base as Selfridge Air Force Base Credit Union. In its early years, the Credit Union's field of membership consisted of military personnel and supplemental staff at Selfridge Air Force Base.
