USDA Loan Vs. FHA loan for Swartz-Creek, MI 2026

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 aligns best with your financial needs.

Exploring USDA and FHA Loan Options in Swartz-Creek, MI

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.

Lendersa USDA loan request and matching outcomes

Understanding the USDA Loan in MI

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.

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(616) 682-1414 Lender's profile and map Reviews Member Advantage Mortgage 3330 Broadmoor Ave. SE, Suite B, Grand Rapids, MI, 49512 Member Advantage Mortgage leads the mortgage lending industry with exceptional service and expert solutions. As a trusted partner, we work with each of our members to understand their unique needs today and as they evolve in the future. Our team provides the transparency, knowledge, and support you need to make the best financial decisions.
(616) 559-7000 Lender's profile and map Reviews United Bank of Michigan 900 East Paris Ave SE, Grand Rapids, MI, 49546 United is our name and mission. We’ve been partnering with this community for more than a century to match needs with real solutions. Our banking products and services help build businesses, launch ideas, raise families and fulfill dreams. We genuinely believe in community banking.
(888) 672-5626 Lender's profile and map Reviews Northpointe Bank 3333 Deposit Drive NE, Grand Rapids, MI, 49546 Northpointe Bank deposits, nationwide mortgage purchasing program, and community bank fulfillment services. Our residential origination locations span the nation due to our ability to lend in all 50 states. As we continue to grow, we are proud to be recognized throughout the industry for our exceptional financial performance.
(616) 977-7900 Lender's profile and map Reviews Northwind Financial Corporation 625 Kenmoor Avenue Southeast, Suite 211, Grand Rapids, MI, 49546 Northwind Financial is a direct lender for private commercial real estate transactions, and direct for residential loans too! Our primary objective is to meet our borrower's need for financing with efficiency, flexibility and professionalism - especially in challenging situations. Established in 1997
(616) 974-9710 Lender's profile and map Reviews Team Mortgage Company 5043 Cascade Road SE, Suite A, Grand Rapids, MI, 49546 We complete a large volume of mortgage loan financing each year with many different financial institutions. At Team Mortgage Company, we treat our clients well. We have proudly built our success as a Grand Rapids mortgage lender with the philosophy that our customers always come first.
(616) 942-9630 Lender's profile and map Reviews Preferred Credit Union 3767 Sparks Dr SE, Grand Rapids, MI, 49546 Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.
(616) 734-6099 Lender's profile and map Reviews Red Oak Capital 625 Kenmoor Ave SE, Suite 200, Grand Rapids, MI, 49546 Red Oak Capital Holdings, LLC is a family of commercial real estate finance and investment companies that includes Red Oak Financial, LLC, Red Oak Holdings Management, LLC, and Red Oak Capital GP, LLC. The Michigan-headquartered firm is anchored on a strong team that collectively delivers over 100 years of commercial real estate lending
(419) 381-2323 Lender's profile and map Reviews Educational Community Alliance CU 3845 Angola Road, Toledo, OH, 43615 Educational Community Alliance Credit Union is the financial partner for Toledo educators, administrators, and staff. Similar to banks, you’ll find offerings like car loans, credit cards, and checking accounts; however, unlike big banks, we serve the Toledo educational system exclusively and are not-for-profit. Instead of answering to
(419) 698-2962 Lender's profile and map Reviews Bay Area Credit Union 4202 Navarre Avenue, Oregon, OH, 43616 Bay Area Credit Union, members come first. We promise to offer honest, fair service to every member, every time. We promise to treat every member with respect and dignity. We promise to be a trusted financial advisor that members can count on to assist in achieving their financial dreams.
(800) 648-8035 Lender's profile and map Reviews BlueOx Credit Union - Sterling Heights 115 Riverside Drive, Battle Creek, MI, 49015 Our mission – to provide quality financial services that will improve and make a positive impact on the lives of our members, employees and communities – is what drives us to do everything possible to expand financial freedom. We do that by offering innovative products and services, by building a creative and inclusive team.
(269) 441-1400 Lender's profile and map Reviews OMNI Community Credit Union 3141 Capital Ave SW, Battle Creek, MI, 49015 OMNI Community Credit Union has been serving members since 1951, when we were known as Clark Equipment Credit Union. While we've grown and changed throughout the years, our mission has remained the same. We're local and truly committed to the betterment of our communities, because just like you, we live and work here too.