USDA Vs. FHA Pro and Con comparison in Sterling-Heights, Macomb County, MI
In the year 2025, the USDA loan limit set for Sterling-Heights, situated in Macomb county, MI, is $285,000, while the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to scrutinize and compare the most favorable USDA and FHA rates available today. Determine the necessary income, credit score, reserves, and required documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you choose the ideal program tailored to your financial situation in .
2025 Loan Limits and Downpayment Requirements in Sterling-Heights, Macomb, 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 Choices in Sterling-Heights, MI
Lendersa® focuses on securing the most advantageous USDA or FHA loan for you swiftly and with ease. Choose any of three initial strategies that connect you to matching lenders offering USDA loans.
A USDA home loan is backed by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment, making them more accessible to qualifying applicants.
Heartland Bank is a family-owned, community bank serving the financial needs of Central Nebraska for over a century. We specialize in Personal, Business and Agricultural Banking. Our vision is to be a growing organization providing leadership that improves the lives of customers, associates and communities.
Town-Country United Bank offers the highest quality of banking services on the market today. Since 1978, we have provided superior service to our customers and have assisted them in achieving their goals. Our years of experience and commitment to excellence have earned us the reputation as the one of the best in the area
Chartered in May 1906, Camden National Bank was founded to provide Wilcox County with a bank of its own. Largely ignored by bigger-city banks, families and business owners throughout the area came to rely on Camden National Bank for responsive solutions to their unique financial needs.
Huron Telco opened our first office in 1954, thanks to the employees of Northwestern Bell. The membership has expanded over the years with the addition of sponsor groups & their families. The credit union took another step to secure our future by merging with H&B Federal Credit Union in January 2006. That’s when we changed our name to HB Telco FCU.
C and R Credit Union, in Clay Center, offers a variety of services, including: checking and savings accounts; loans for new and used automobiles, boats, and motorcycles; machinery loans; even loans for jet skis, recreational vehicles, campers and 4-wheelers. Christmas loans and accounts are also available.
Flint Community Bank opened its doors in early 2006 with a straightforward goal: to build a bank based on customer relationships. In order to make that goal a reality, we knew from the start that we would have to deliver on our promise of local decisions made in a timely manner with unforgettable customer care.
In 1979, a group of local businessmen founded First Citizens Bank with one purpose in mind: to provide a healthy banking environment for local businesses and individuals. The doors first opened on July 8, 1980, operating under a local management and conservative governing philosophy.
South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
