USDA and FHA Pro and Con in Wixom, Oakland County, MI

In 2026, the USDA loan limit for Wixom, located in the county of Oakland, MI, is set at $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilizing Lendersa®'s USDA loan calculator allows you to evaluate today's best rates between USDA and FHA loans. This helps determine the income, credit, reserves, and necessary documents to qualify. Our comprehensive mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding in selecting the most suitable program in for your financial needs.

Review loan offers from a selection of 100 lenders

2026 Loan Limits and Downpayment Requirements in Wixom, Oakland, MI

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

Exploring USDA and FHA Loan Options in Wixom, MI

The aim of Lendersa® is to facilitate the fastest and easiest acquisition of USDA or FHA loans. You can begin with one of three pathways to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in MI

A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is government-guaranteed by the Department of Agriculture and is exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment whatsoever, offering significant benefits to qualified borrowers in rural settings.

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



  • Mulberry Street Mortgage
  • 19 North Water Street, Liberty, MO, 64068
  • Mulberry Street Mortgage, a dedicated professional will thoroughly evaluate your financial needs to help you qualify for a low rate mortgage that works within your budget. Our goal is to get you the most favorable rate possible while working to answer your questions, and make the application process a simple and smooth transition

  • Midwest Capital Mortgage, Inc.
  • 1201 Landmark Ave, Suite 3, Liberty, MO, 64068
  • At Midwest Capital Mortgage, Inc. We are a full-service mortgage company based in Liberty, Missouri. We specialize in mortgages in Liberty, Kansas City, Overland Park, and Lenexa. We also serve the surrounding cities in Clay County, Platte County, Johnson County, and Jackson County.

  • Lowen Enterprise LLC
  • 115a South Main, Grain Valley, MO, 64029
  • WPL Mortgage Solutions is more than a mortgage broker, we’re your financial partner. We seek out long-term relationships with our vendors, suppliers, employees and most of all, with our clients. As a mortgage broker, we take time to get to know customers and find real solutions so they can live out their dreams.

  • Dynasty Financial Consulting, Inc
  • 5686 Fulton Industrial Blvd, Suite 44601, Atlanta, GA, 30336
  • Fortunately, at Dynasty Financial Consulting, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism.

  • ROSS MORTGAGE COMPANY, INC.
  • 115 Flanders Road, Suite 120, Westborough, MA, 01581
  • Ross Mortgage offers a variety of mortgage loan products, and the company is a Direct Endorsed lender for the Federal Housing Administration and the Veteran’s Administration. As an approved lender, Ross Mortgage has the ability to originate, underwrite and close these government guaranteed mortgage loans in all the states where it holds a license.

  • Ledyard National Bank
  • 74 South Main Street, Concord, NH, 03301
  • At Ledyard, you get more than just bankers with knowledge, expertise and local decision-making capabilities. Ledyard offers true partnerships. Every member of our team is part of the community, providing us with the additional insight to develop personalized solutions for each client. Individuals and families have come to rely on us to provide

  • New Hampshire Community Loan Fund
  • 7 Wall Street, Concord, NH, 03301
  • The New Hampshire Community Loan Fund turns investments and donations into loans and education that create opportunity and transform lives across the Granite State. We loan directly to, and on behalf of, people with low and moderate incomes to create and preserve affordable housing, good jobs, and child care and other vital community services.

  • New Hampshire Federal Credit Union
  • 70 Airport Road, Concord, NH, 03301
  • NH Federal Credit Union is a full-service financial institution. You will find some of the best rates for savings and loans in NH, along with very low fees. As a not-for-profit financial cooperative, we are owned by the people we serve - the employees and immediate family members of more than 150 employers throughout NH.

  • EDvestinU - New Hampshire Higher Education Loan Corporation (NHHELCO)
  • 4 Barrell Court, Concord, NH, 03301
  • EDvestinU® is the private student loan program of the nonprofit NHHEAF Network. EDvestinU’s mission is to provide affordable college funding options to students nationwide. With industry–leading rates and nationally recognized loan servicing, students, parents & post-secondary schools can have every confidence that EDvestinU borrowers are provided.

  • Southern Security Federal Credit Union
  • 765 W. Poplar Ave, Collierville, TN, 38017
  • Southern Security Federal Credit Union is a not-for-profit financial cooperative whose mission is to help its members financially. Whether that's through providing savings options, being a lending source or simply providing convenience, each member's needs are unique. We serve employees of companies all over the Mid South and across the nation.

  • BankTennessee
  • 1125 W Poplar Ave, Collierville, TN, 38017
  • It’s important to feel good about whom you trust with your finances. You want to do business with folks you know. So do we. We’re in the people-helping-people business, or as we call it, the personal banking business.

    BankTennessee wants to be your bank. And we show it! We guarantee you will be welcomed with a smile

  • First South Financial Credit Union
  • 3731 Austin Peay Highway, Memphis, TN, 38128
  • First South Financial Credit Union is a member-owned, federally insured financial institution serving over 64, 000 members throughout the world. Recognized as a leader in strength, stability and service, we are ranked among the top 1% of financial institutions in the entire country by independent rating organizations.