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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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$86,850$114,650
Alger County, MI$86,850$114,650
Allegan County, MI$86,850$114,650
Alpena County, MI$86,850$114,650
Ann Arbor, MI MSA$108,550$143,300
Antrim County, MI$86,850$114,650
Arenac County, MI$86,850$114,650
Baraga County, MI$86,850$114,650
Barry County, MI HUD Metro FMR Area$86,850$114,650
Battle Creek, MI MSA$86,850$114,650
Bay City, MI MSA$86,850$114,650
Benzie County, MI$86,850$114,650
Branch County, MI$86,850$114,650
Cass County, MI HUD Metro FMR Area$86,850$114,650
Charlevoix County, MI$86,850$114,650
Cheboygan County, MI$86,850$114,650
Chippewa County, MI$86,850$114,650
Clare County, MI$86,850$114,650
Crawford County, MI$86,850$114,650
Delta County, MI$86,850$114,650
Detroit-Warren-Livonia, MI HUD Metro FMR Area$87,750$115,850
Dickinson County, MI$86,850$114,650
Emmet County, MI$86,850$114,650
Flint, MI MSA$86,850$114,650
Gladwin County, MI$86,850$114,650
Gogebic County, MI$86,850$114,650
Grand Rapids-Wyoming, MI HUD Metro FMR Area$88,100$116,300
Grand Traverse County, MI$89,150$117,700
Gratiot County, MI$86,850$114,650
Hillsdale County, MI$86,850$114,650
Holland-Grand Haven, MI HUD Metro FMR Area$96,600$127,500
Houghton County, MI$86,850$114,650
Huron County, MI$86,850$114,650
Ionia County, MI$86,850$114,650
Iosco County, MI$86,850$114,650
Iron County, MI$86,850$114,650
Isabella County, MI$86,850$114,650
Jackson, MI MSA$86,850$114,650
Kalamazoo-Portage, MI MSA$86,850$114,650
Kalkaska County, MI$86,850$114,650
Keweenaw County, MI$86,850$114,650
Lake County, MI$86,850$114,650
Lansing-East Lansing, MI MSA$86,850$114,650
Leelanau County, MI$86,850$114,650
Lenawee County, MI$89,850$118,600
Livingston County, MI HUD Metro FMR Area$108,550$143,300
Luce County, MI$86,850$114,650
Mackinac County, MI$86,850$114,650
Manistee County, MI$86,850$114,650
Marquette County, MI$86,850$114,650
Mason County, MI$86,850$114,650
Mecosta County, MI$86,850$114,650
Menominee County, MI$86,850$114,650
Midland, MI MSA$86,850$114,650
Missaukee County, MI$86,850$114,650
Monroe, MI MSA$90,850$119,900
Montcalm County, MI HUD Metro FMR Area$86,850$114,650
Montmorency County, MI$86,850$114,650
Muskegon, MI MSA$86,850$114,650
Newaygo County, MI$86,850$114,650
Niles-Benton Harbor, MI MSA$86,850$114,650
Oceana County, MI$86,850$114,650
Ogemaw County, MI$86,850$114,650
Ontonagon County, MI$86,850$114,650
Osceola County, MI$86,850$114,650
Oscoda County, MI$86,850$114,650
Otsego County, MI$86,850$114,650
Presque Isle County, MI$86,850$114,650
Roscommon County, MI$86,850$114,650
Saginaw, MI MSA$86,850$114,650
Sanilac County, MI$86,850$114,650
Schoolcraft County, MI$86,850$114,650
Shiawassee County, MI$86,850$114,650
St. Joseph County, MI$86,850$114,650
Tuscola County, MI$86,850$114,650
Wexford County, MI$86,850$114,650
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