USDA Guaranteed Loans are the most popular rural development mortgage program in Michigan.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with Michigan USDA income limits playing a major role.  Guaranteed Loan income limits across MI are listed below.

Michigan USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Alcona County, MI$75,650$99,850
Alger County, MI$75,650$99,850
Allegan County, MI$75,650$99,850
Alpena County, MI$75,650$99,850
Ann Arbor, MI MSA$94,600$124,850
Antrim County, MI$75,650$99,850
Arenac County, MI$75,650$99,850
Baraga County, MI$75,650$99,850
Barry County, MI HUD Metro FMR Area$76,850$101,450
Battle Creek, MI MSA$75,650$99,850
Bay City, MI MSA$75,650$99,850
Benzie County, MI$75,650$99,850
Branch County, MI$75,650$99,850
Cass County, MI HUD Metro FMR Area$75,650$99,850
Charlevoix County, MI$75,650$99,850
Cheboygan County, MI$75,650$99,850
Chippewa County, MI$75,650$99,850
Clare County, MI$75,650$99,850
Crawford County, MI$75,650$99,850
Delta County, MI$75,650$99,850
Detroit-Warren-Livonia, MI HUD Metro FMR Area$81,650$107,800
Dickinson County, MI$75,650$99,850
Emmet County, MI$76,850$101,450
Flint, MI MSA$75,650$99,850
Gladwin County, MI$75,650$99,850
Gogebic County, MI$75,650$99,850
Grand Rapids-Wyoming, MI HUD Metro FMR Area$76,850$101,450
Grand Traverse County, MI$75,750$100,000
Gratiot County, MI$75,650$99,850
Hillsdale County, MI$75,650$99,850
Holland-Grand Haven, MI HUD Metro FMR Area$81,800$108,000
Houghton County, MI$75,650$99,850
Huron County, MI$75,650$99,850
Ionia County, MI$75,650$99,850
Iosco County, MI$75,650$99,850
Iron County, MI$75,650$99,850
Isabella County, MI$75,650$99,850
Jackson, MI MSA$75,650$99,850
Kalamazoo-Portage, MI MSA$75,650$99,850
Kalkaska County, MI$75,650$99,850
Keweenaw County, MI$75,650$99,850
Lake County, MI$75,650$99,850
Lansing-East Lansing, MI MSA$79,000$104,300
Leelanau County, MI$79,800$105,350
Lenawee County, MI$89,850$118,600
Livingston County, MI HUD Metro FMR Area$94,600$124,850
Luce County, MI$75,650$99,850
Mackinac County, MI$75,650$99,850
Manistee County, MI$75,650$99,850
Marquette County, MI$75,650$99,850
Mason County, MI$75,650$99,850
Mecosta County, MI$75,650$99,850
Menominee County, MI$75,650$99,850
Midland, MI MSA$80,500$106,250
Missaukee County, MI$75,650$99,850
Monroe, MI MSA$80,850$106,700
Montcalm County, MI HUD Metro FMR Area$75,650$99,850
Montmorency County, MI$75,650$99,850
Muskegon, MI MSA$75,650$99,850
Newaygo County, MI$75,650$99,850
Niles-Benton Harbor, MI MSA$75,650$99,850
Oceana County, MI$75,650$99,850
Ogemaw County, MI$75,650$99,850
Ontonagon County, MI$75,650$99,850
Osceola County, MI$75,650$99,850
Oscoda County, MI$75,650$99,850
Otsego County, MI$75,650$99,850
Presque Isle County, MI$75,650$99,850
Roscommon County, MI$75,650$99,850
Saginaw, MI MSA$75,650$99,850
Sanilac County, MI$75,650$99,850
Schoolcraft County, MI$75,650$99,850
Shiawassee County, MI$75,650$99,850
St. Joseph County, MI$75,650$99,850
Tuscola County, MI$75,650$99,850
Wexford County, MI$75,650$99,850
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