In 2026, the USDA mortgage ceiling in St.-Louis, located in Gratiot county, MI, is $285,000, whereas the ceiling for FHA loans is $356,362 for a single-family dwelling.
Lendersa® offers a USDA loan calculator for comparing current USDA versus FHA prime rates. It assists in evaluating income, credit score, reserves, and documentation necessary for approval. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side, aiding you in choosing the most suitable program in
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| Loan Category | Maximum Amount | Minimum Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to swiftly secure a hassle-free USDA or FHA loan for you. Begin with one of three initial choices to connect with appropriate lenders and USDA loan schemes.
The USDA home loan is a government-guaranteed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available solely in rural areas, this differs from FHA loans, which mandate at least a 3.5% down payment, whereas USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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