In 2026, the USDA loan limit in Swartz-Creek, county of Genesee, MI is $285,000. For a single-family residence, the FHA limit is $356,362.
Employ the Lendersa® USDA loan calculator to find the best USDA vs. FHA rates available today and understand the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® aims to provide you with the best possible USDA or FHA loans efficiently and without hassle. Choose one of three onboarding pathways that lead to matching lenders and USDA loan programs designed for you.
The USDA home loan is backed by the Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage does not demand any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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