USDA Vs. FHA your options 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.
Crestmark, a division of MetaBank, is a skilled provider of financial solutions for business-to-business companies. Financing solutions include asset-based lending on A/R and inventory, accounts receivable financing, traditional factoring, discount factoring, payroll financing, invoice financing, equipment leasing and financing.
LoanCraft has a deep understanding of the challenges facing lenders and the complexities of the loan approval process. Since 2003, LoanCraft has been helping financial institutions grow their top and bottom line revenue. We provide a wide range of products and services that help our clients provide outstanding service to their customers.
1111 W. Long Lake Road, Suite 102, Troy, MI, 48098
Lends in Michigan
Our experienced team has focused on financing the needs of the relocating employee and their employer. Our business is built around the relocation industry. We understand this unique situation and will provide a high-touch, high-tech approach. Our mortgage consultants average 20 years relocation mortgage experience and will work closely.
We are independent, trained professionals licensed to represent and provide you with the best mortgage for your particular situation. Honest Lending is a team of experienced home lending professionals who believe that everyone should be treated like family. Our founder has more than 10 years combined experience in helping clients like you.
Direct Home Mortgages is a premier Mortgage Broker based in Troy, Michigan. We are licensed in the states of Michigan, Colorado, and Texas. We are committed to ensuring you get the very best mortgage for your situation. That’s why with our vast resources and lender relationships, Direct Home Mortgages is able to offer a variety of types
The Integrity Property Financial Services Team is your premier mortgage team located in Troy, Michigan. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Michigan area.
1700 West Big Beaver Road, Suite 350, Troy, MI, 48084
Lends in Michigan
At Core Direct Mortgage, we believe in finding a solution for all applicants. If you are having trouble getting approved for a home loan, please contact us today at 720-508-0621. We are here to help. We offer a wide variety of loan programs to fit our clients' needs in today's real estate market.
Everest Financials Inc. is your premiere mortgage broker located in Troy, MI. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance
3310 West Big Beaver Road, Suite 105, Troy, MI, 48084
Lends in Michigan
At National Mortgage Funding we believe that purchasing a home or refinancing a home should be a process that is comfortable and easy. To help our clients with this process we provide a single voice experience with clear expectations and attention to detail. We believe that the consumer should have control to build their own mortgage.
