USDA Vs. FHA Pro and Con comparison in Westland, Wayne County, MI

In the year 2025, the USDA loan limit within Westland, in the county of Wayne, MI, reaches $336,500. Meanwhile, the FHA limit set for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's best rates for USDA compared to FHA loans, determining necessary income, credit, reserves, and documentation for qualification. Our advanced calculator lets you view USDA, FHA, Conforming, and VA options side by side, guiding your decision on the most suitable program for your financial scenario in .

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Loan Limits and Downpayment Requirements for 2025 in Westland, Wayne, MI

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Examining USDA and FHA Loan Options in Westland, MI

The aim of Lendersa® is to secure the best USDA or FHA loan available quickly and without hassle. Choose one of three ways to find and connect with matching lenders and USDA loan programs.

Lendersa USDA loan request results

Understanding USDA Loans in MI

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan, is only available in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans have zero down payment necessity, making them more accessible.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Credibly
  • 25200 Telegraph Rd, Suite 350, Southfield, MI, 48033
  • We believe in small businesses and the people who grow them. In fact, our mission at Credibly is to be the best small business lender. To make that happen, we leverage cutting-edge data science, technology, partner relations, and customer support to provide business owners with faster access to right-sized capital solutions.
  • Assur Loans
  • 26711 Northwestern Highway, Suite 200, Southfield, MI, 48033
  • We obtain our clients information from a referred based system we have in place with real estate agents & brokers across the nation.From having a client’s information, we assist with any purchase or refinance need.Our exclusive service allows us to have a more intimate understanding of how we can help client make a stressful process a positive one.
  • Silverline Lending
  • 39500 Orchard Hill Place, Suite 300, Novi, MI, 48375
  • Silverline Lending is an equal housing lender and we specialize in brokering residential mortgages throughout the great state of Michigan (MI). We provide all the services offered by big banks without the red tape and high pricing. We see the best in you and deliver the best for you.
  • Pathway Mortgage
  • 39555 Orchard Hill Place, Suite 600, Novi, MI, 48375
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. We've been helping customers afford the home of their dreams for many years and we love what we do.
  • Advisors Capital, Inc.
  • 9810 Grand River Ave, Suite C-200, Novi, MI, 48375
  • We are a privately owned, Michigan Corporation, licensed as a First Mortgage Broker and Lender in the State of Michigan. We are also registered as a Second Mortgage Broker and Lender. Our in-house mortgage team expedites the process and our technology keeps you informed and connected all the way through closing and beyond.
  • Lendingpoint Mortgage LLC
  • 133 West Main St, Suite 155A, Northville, MI, 48167
  • Mortgage help from LPM is built for you. Personalized interest rates, monthly payments and term options that are built for you. Our team understands that everyone's needs are unique, we take this into account when helping you choose the right loan. If you want personalized loan financing services from industry experts contact us today.
  • Fidelity Funding Co Inc
  • 436 N Center, Northville, MI, 48167
  • Fidelity Funding Co., Inc. is a residential mortgage company based in Farmington Hills, Michigan. At Fidelity Funding Co., Inc. we strive to provide a stress-free and simple process to an otherwise complex and confusion mortgage process We will work with you and educate you on the vast amount of programs and help you decide which best suits.
  • Lincoln Park Community Credit Union
  • 1400 Emmons Boulevard, Lincoln Park, MI, 48146
  • Lincoln Park Community Credit Union is proud to celebrate 80 years helping our members be the heroes of their financial lives. Our story starts with you. We’re a small credit union with a big story and we want to help you with yours. We started in the janitor’s closet of a school
  • Credit Union Advantage
  • 22250 Providence Drive, Southfield, MI, 48075
  • Credit Union Advantage has been providing financial services to members and their families since 1969. Initially the credit union was named Providence Hospital Employees Credit Union and in 2002 we began to also serve the employees of the St. John Health System, which includes Providence Hospital. Our name was changed at that time to Credit Union A
  • Southeast Michigan State Employees Federal Credit Union
  • 17135 W Ten Mile Road, Southfield, MI, 48075
  • Southeast Michigan State Employees (SMSE) Federal Credit Union is a democratically controlled, co-operative financial institution.SMSE Federal Credit Union was formed to serve employees of the State of Michigan and employees of local governments, working in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne Counties.
  • Castle Commercial Capital, LLC
  • 2000 Town CTR, Suite 1900, Southfield, MI, 48075
  • Castle Commercial Capital facilitates financing for business owners as well as investors and developers of commercial real estate nationwide. We can provide financing from a basic apartment refinance loan to a mixed-use new development and construction loan. We can finance your property with fixed low rate.
  • Great Lakes Mortgage Brokers LLC
  • 18877 West 10 Mile Road, Suite 250, Southfield, MI, 48075
  • Great Lakes Mortgage Brokers LLC, located in Southfield, MI, and Boca Raton, FL is a leading provider of financial services. We specialize in helping businesses and individuals reach their financial goals by providing a wide range of lending & insurance options.We use our more than 20 years of experience to provide clients with financial services.