USDA Vs. FHA your options comparison in Ypsilanti, Washtenaw County, MI

For 2026, the USDA loan limit in Ypsilanti, in Washtenaw county of MI, is $336,500, whereas the FHA cap for a single-family home is $472,030.

Leverage the Lendersa® USDA loan calculator to assess today's USDA versus FHA best rates, determining the income, credit, reserves, and documentation needed to qualify. With the advanced mortgage calculator, USDA, FHA, Conforming, and VA loans can be compared side by side, guiding you in selecting the most appropriate program in for your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Ypsilanti, County of Washtenaw, MI

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

USDA and FHA Loan Alternatives in Ypsilanti, MI

The objective of Lendersa® is to ensure you obtain the most suitable USDA or FHA loans swiftly and effortlessly. Start by choosing one of three pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in MI?

The USDA home loan, backed by the Department of Agriculture and also known as the USDA rural development loan or mortgage, is available exclusively in rural neighborhoods. In contrast to FHA loans that require a minimum 3.5% down payment, USDA mortgages require no down payment.

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



  • Solcosta Home Loans, LLC
  • 5701 Lonetree Boulevard, Suite 316, Rocklin, CA, 95765
  • At Solcosta Home Loans, we believe in speed, service, and transparency. Whether you are a first-time homebuyer or an experienced real estate investor, we want to provide you the education and loan options to help you meet your specific goals. We have a passion for putting our clients’ interests first, and we believe that doing the right thing
  • Direct Wholesale Mortgage
  • 5701 Lonetree Boulevard, Suite 313, Rocklin, CA, 95765
  • Direct Wholesale Mortgage full service real estate and mortgage office, and specialize in providing clients with finding their dream homes, listing clients homes for sale and providing clients with their Mortgage lending needs. As a broker we have relationships with over 10 different lenders which offer variety of loan programs.
  • LRG LENDING
  • 5701 Lonetree Blvd, Suite 307-308, Rocklin, CA, 95765
  • At LRG Lending, the genuine care and well-being of our clients is our highest mission. We are driven to provide exceptional personal service for our clients who will always enjoy a warm, professional, and seamless experience. Our team is dedicated to building strong and honest client relationships through Loyalty, Respect, and Gratitude.
  • Capital city mortgage solution inc
  • 5701 Lonetree Blvd, Suite 317, Rocklin, CA, 95765
  • 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Capitol Direct Lending
  • 6524 Lonetree Blvd., Rocklin, CA, 95765
  • From affordable loans for first-time home buyers to traditional fixed and adjustable rate mortgages to jumbo loan amounts that accommodate upscale financing, we offer a wide variety of financing options. You can count on our extensive resources, capabilities, and expertise to provide the right home loan for you.
  • Integrity Mortgage
  • 9290 Madison Avenue, Orangevale, CA, 95662
  • Integrity mortgage has been in business since 1997. We are highly experienced, knowledgeable and approachable. We feel our name reflects who we are and how we serve each borrower we have the privilege to assist. We know there are many choices in mortgage services so we value clients who put their trust with us. business since 1997.
  • Benton County Schools Credit Union
  • 2101 NW Professional Drive, Corvallis, OR, 97330
  • Benton County Schools Credit Union is an educational employee credit union for the school districts in Benton County, Oregon. BCSCU began operation in 1953 and is still going strong today. Our mission statement is “To provide superior services and quality products in a very personal environment
  • Knight Financial - A Division of American Pacific Mortgage
  • 385 NW Harrison Blvd, Corvallis, OR, 97330
  • We are a full service residential mortgage firm delivering elite customer care. We designed our lender list to offer premier traditional and portfolio lending products. We are licensed in OR, WA, CA, ID & NV and have completed over 2, 600 home loans totaling over $800 million in loan volume since our inception in August of 2005.
  • UNIFIED HOME LOANS
  • 2270 DOUGLAS BLVD STE 215, ROSEVILLE, CA, 95661
  • With decades of experience, the key to our success has been a combination of consistently offering the lowest possible interest rates at the lowest cost. Above all, providing outstanding customer service. We take pride in treating our clients with honesty, integrity and honesty.
  • WTR LOAN FUND
  • 1860 Sierra Gardens Dr, Suite 912, Roseville, CA, 95661
  • WTR FUND is a Smart, Established, Private Money lender. We loan on Non owner occupied properties including: Rentals, Fix & Flips, Commercial Structures and Land in the Greater Sacramento region and California. We approve loans based on property equity not our borrowers Credit. We know our investors move quick and so do we.
  • Delta Lending Group
  • 2436 Professional Drive, Suite 100, Roseville, CA, 95661
  • Delta Lending Group has been an established mortgage lending company for the last 17 years. Nestled in the heart of Brentwood, CA, Delta’s reputation for quick, easy, and friendly home loans is renown throughout Northern California. People have come to know us as the top servicer of refinancing
  • Alex Hughes - Mortgage Lender
  • 8781 Sierra College Blvd, Roseville, CA, 95661
  • We provide friendly financing options for those who dream of living a more sustainable lifestyle and want to save money using modern technology. From sustainable home upgrades to affordable home purchases or refinances — we strive to care for the planet, while building lasting relationships with our valued partners and customers.