USDA Vs. FHA Pro and Con comparison in Three-Rivers, St. Joseph County, MI
In 2026, the USDA loan limit for Three-Rivers in St. Joseph county, MI, is set at $285,000. For a single-family home, the FHA limit is $356,362.
With Lendersa®'s USDA loan calculator, you can compare today's best USDA vs. FHA rates. Determine income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides side-by-side views of USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Three-Rivers, St. Joseph, 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 Options in Three-Rivers, MI
Lendersa®'s priority is to secure you the best USDA or FHA loan quickly and without hassle. Choose from three starting paths that align you with lenders and USDA programs.
A USDA home loan, often referred to as a USDA rural development loan or mortgage, is backed by the government through the Department of Agriculture and is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none, offering a distinct advantage for qualified borrowers.
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