For 2026, the USDA loan limit in West-Monroe, within Monroe county, MI, is set at $285,000. For a single-family home, the FHA limit is $356,362.
Utilize the Lendersa® USDA loan calculator to analyze and compare the optimal USDA versus FHA rates available today. Determine the income, credit, reserves, and documentation necessary for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to provide you with the best possible USDA or FHA loan, swiftly and with ease. Select one of three starting points to connect with matching lenders offering USDA loan programs.
The USDA home loan, insured by the Department of Agriculture, is often called a USDA rural development loan or mortgage, available solely in rural neighborhoods. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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