USDA Vs. FHA Pro and Con comparison in Troy, Oakland County, MI
For the year 2026, the USDA loan limit in Troy, within Oakland county of MI, is $336,500. On the other hand, the FHA limit for a single-family home is set at $472,030.
Engage the Lendersa® USDA loan calculator to compare top USDA and FHA rates available today. Identify requirements like income, credit, reserves, along with necessary documents for qualification. Our advanced mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA loans, aiding your decision on the best fit for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Troy, Oakland, MI
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Troy, MI
Lendersa® strives to swiftly secure the optimal USDA or FHA loan for you efficiently. Choose from three initial methods that connect you to lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, commonly called a USDA rural development loan, is exclusive to rural areas. Unlike FHA loans that require at least a 3.5% downpayment, USDA loans need no down payment, providing easier homeownership access in these regions.
3230 Scott Street, Suite 201, San Francisco, CA, 94123
At First Capital Group, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Osder Financial Group has earned a reputation as the “ go to mortgage company” for closing some of the most complex transactions in this industry. Their philosophy in striving to exhaust all resources to get deals done has led to virtually 100% of his business being referred to him by CPA’s, Accountants, Financial Planners.
Tuttle & Company began with the intention of unparalleled service for our clients to forge a lasting, beneficial relationship. We strive to fulfill your investment goals in the long term as much as in the short term. Over the years we have completed transactions ranging from private money short-term bridge loans.
The San Mateo City Employees Federal Credit Union operates on the foundation of trust and respect for it’s members. This institution was created by employees and continues to serve employees, retirees and their family members with the goal of providing exclusive, lifetime benefits in a convenient manner while maintaining our history.
Ascend Mortgage was established in 2005 in San Mateo, CA to help make home ownership and home purchase financing affordable and available for residents of California. Headquartered in the San Francisco Bay Area where there is a diverse community we specialize in all aspects of Real Estate and we believe in a more personalized approach to lending.
135 West 25th Avenue, Suite 6914, San Mateo, CA, 94403
We are here to serve our community and bring happiness and stability to those around us by helping people find a place to call home. We specialize in building trust and lasting relationships with our clients and finding them the best deal at the right time in the right place. Established in 1990.
"Bay Area Realty Services is a full service Residential Real Estate Brokerage with offices in Palo Alto and San Mateo, serving mainly San Francisco, the Peninsula, the East Bay, and Silicon Valley/South Bay
Our services include the Listing of all types of Residential properties (for Sale or for Lease),"
Alex Maltez is an independent residential and commercial real estate Broker. Since becoming a REALTOR®, Alex has been an active participant in the San Mateo and San Francisco Association of REALTORS®. Alex has served on the Board of Directors for both association and on numerous committees, including: Legislative, Grievance, Professional Standards.
Our goal is to make available the most affordable loan programs to aid you in reaching your objectives. Regardless of your circumstances, our representatives will assist you throughout the process. Whether it is a Hard Money Loan, Purchase Loan, Refinance, Commercial Loan, Residential Loan
8465 old redwood Highway, Suite 410, Windsor, CA, 95492
Task Mortgage & Investments Inc We are an experienced team of mortgage and investment experts based in beautiful Sonoma County, California. For over 20 years we have provided a full array of products to match the right real estate opportunity with the right people. From the best of credit to the challenged credit.
