In 2026, the limit for a USDA loan in Whitmore-Lake, located in the county of Washtenaw, MI, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.
Use the Lendersa® USDA loan calculator to contrast today’s best USDA versus FHA rates. Determine the necessary qualifications such as income, credit, reserves, and documentation. Our advanced mortgage calculator enables a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting in your decision regarding the ideal 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% |
Lendersa® is committed to facilitating the fastest and most streamlined access to an optimal USDA or FHA loan. Choose one of three entry points for connecting with lenders and USDA loan opportunities.
A USDA home loan is a mortgage guaranteed by the government’s Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, accessible exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, 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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