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 for your financial requirements.
2026 loan ceilings and down payment specifications in St.-Louis, Gratiot, MI
Loan Category
Maximum Amount
Minimum Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in St.-Louis, MI
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.
At GraCo Federal Credit Union, we all benefit from the cooperative nature of our members! If it’s time for a change, it’s time for GraCo FCU and GraCo Federal Credit Union is a member owned financial co-operative dedicated to member service and community involvement through responsible leadership.
Commercial Bank has been a proud local bank since 1893. We have an unwavering devotion to our neighbors and their futures. We make it our mission to reinvest in the community through donations, sponsorships and loans to support the growth of our local residents and businesses. We firmly believe that being local matters.
We have over 50 years of experience servicing the residents and workforce of Gratiot County. We are aware of our responsibility to serve our members and community. We strive to deliver professional, responsive, and personalized banking services to its depositors, borrowers, local businesses, and area professionals.
Dow Chemical Employees’ Credit Union was the 182nd credit union organized in the State of Michigan.
In 1937, the country was still in the throes of a severe economic depression that underscored the need for a workable financial plan to enable Dow employees to save for emergencies and obtain convenient, low-cost credit.
2400 South Isabella Road, Mount Pleasant, MI, 48858
Lends in Michigan
Isabella Community Credit Union (ICCU) is a not-for-profit financial cooperative providing quality financial products and personal service to its members in the Central Michigan area. Those who live or work in Isabella, Osceola, Clare, Gladwin, Midland, Gratiot, Montcalm and Mecosta counties are eligible to join!
Montcalm Public Employees Credit Union We are a non-profit cooperative financial institution completely controlled and owned by the members who save, borrow and conduct other financial business here. Because we’re non-profit, you share in the earnings of the credit union through higher dividends on your savings and reduced rates on your loans.
When you open your account with MFCU, you become a member & owner of the credit union.At MFCU, we believe in you.Our promise is to be trustworthy, caring & enthusiastic to help you succeed. It comes naturally to us to listen carefully & build relationships in order to not only find solutions,but also minimize financial stress and maximize happiness
Welcome to United Financial Credit Union, established in 1964, your full-service, not-for-profit financial cooperative. We are owned and operated by members – so we comprise a family-like organization. Credit Union, established in 1964, your full-service, not-for-profit financial cooperative.
Health Advantage Credit Union offers a wide range of financial services to employees, independent contractors or self-employed persons who regularly work in Healthcare Industry in the State of Michigan.Also, spouses of persons who have died while within the Healthcare Industry; employees of the credit union; retirees from the healthcare industry.
