For 2026, the USDA loan limit set for Wayne in Wayne county, MI, is $336,500; meanwhile, the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate and compare today's USDA and FHA rates. Identify the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, assisting in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
The mission of Lendersa® is to get you the optimal USDA or FHA loans swiftly and without hassle. Choose one of three starting options to find matching lenders and USDA loan programs.
A USDA home loan, supported by the Department of Agriculture, also referred to as a USDA rural development or USDA mortgage, is designated for rural areas. FHA loans demand a 3.5% minimum down payment, whereas USDA mortgages don't require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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