USDA Vs. FHA your options comparison in Trenton, Wayne County, MI
In 2026, the USDA loan limit in Trenton, county of Wayne, MI, is $336,500, while for a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates, evaluating income, credit, reserves, and document requirements for qualification. With our advanced mortgage tool, view USDA, FHA, Conforming, and VA options side by side, helping you determine the best program in for your financial situation.
2026 Loan Limits and Down Payment Needs in Trenton, County of Wayne, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming Conventional
$726,200
3%
Exploring USDA and FHA Loan Choices in Trenton, MI
Lendersa® aims to connect you with the optimal USDA or FHA loans quickly and hassle-free. Begin by selecting one of three initial paths to find matching lenders and USDA loan programs.
A USDA home loan is guaranteed by the Department of Agriculture, often known as the USDA rural development loan or mortgage, and is available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages do not need any down payment.
Shore to Shore Community Federal Credit Union serves individuals who live, work or worship in the communities of Trenton, Woodhaven, Grosse Ile, Allen Park, Brownstown, Ecorse, Flat Rock, Rockwood, Gibraltar, Lincoln Park, Melvindale, River Rouge, Riverview, Southgate, and Wyandotte.
I have been serving my clients for 15 years now and truly love what I do. After graduating from the University of Michigan I worked in several industries until I was fortunate enough to be introduced to the mortgage business by a friend of my families. I have never looked back as I love what I get to do every day.
Michigan Legacy Credit Union, formerly known as Affinity Group Credit Union is a member owned, not-for-profit financial cooperative serving members who live, work, worship, attend school, or own a business in the State of Michigan. Michigan Legacy Credit Union is committed to providing quality financial services
At Mitten Mortgage Lending, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
Total Community Credit Union is a full service financial institution specializing in a wide variety of loans. We offer loans for mortgages, home improvements, vehicle and much more. Competitive rates, low payments and flexible terms make it easy for almost anyone to realize their goals.
SGMS is a Mortgage and Land Contract Services Company that is focused on your success. Our mortgage services team has over 25 years of experience in origination of all sizes of loans and refinance loans. Lead by James Woodworth, SGMS Mortgage provides one-on-one service with a personal touch.
Community Focus Federal Credit Union, formally National Steel Federal Credit Union, was originally chartered in 1960 as a financial cooperative serving the salaried employees of National Steel and their families. In January 2002, CFFCU became a community chartered credit union to better serve the National Steel employees
Public Service Credit Union is a community credit union with 15 locations in the Metro Detroit Area.We are a full service financial institution dedicated to serving members since 1952. PSCU is devoted to providing its members with a lifetime of dependable financial service. Like all credit unions, PSCU is a member owned, not for profit .
Lincoln Park Community Credit Union is proud to celebrate 80 years helping our members be the heroes of their financial lives. Our story starts with you. We’re a small credit union with a big story and we want to help you with yours. We started in the janitor’s closet of a school
