As of 2026, the USDA loan maximum in Utica, located in Macomb County, MI, is set at $336,500, whereas the FHA limit stands at $472,030 for a standard single-family residence.
Utilize the Lendersa® USDA loan calculator to evaluate the most competitive current rates for USDA and FHA loans. This tool will also guide you on the necessary income, credit score, reserves, and documentation to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options together. This comparison assists you in selecting the optimal mortgage program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to quickly secure you the most suitable USDA or FHA loan with minimal effort on your part. You can choose from three different methods to find matching lenders and suitable USDA loan packages.
A USDA home loan is backed by the U.S. Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage. It is accessible exclusively in rural regions. In contrast to FHA loans, which necessitate a 3.5% minimum down payment, a USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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