Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Michigan. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Michigan Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Alcona County, MI | $306,000 | $391,000 |
| Alger County, MI | $306,000 | $391,000 |
| Allegan County, MI | $306,000 | $391,000 |
| Alpena County, MI | $306,000 | $391,000 |
| Ann Arbor, MI MSA | $374,000 | $483,000 |
| Antrim County, MI | $306,000 | $391,000 |
| Arenac County, MI | $306,000 | $391,000 |
| Baraga County, MI | $306,000 | $391,000 |
| Barry County, MI HUD Metro FMR Area | $306,000 | $391,000 |
| Battle Creek, MI MSA | $306,000 | $391,000 |
| Bay City, MI MSA | $306,000 | $391,000 |
| Benzie County, MI | $306,000 | $391,000 |
| Branch County, MI | $306,000 | $391,000 |
| Cass County, MI HUD Metro FMR Area | $306,000 | $391,000 |
| Charlevoix County, MI | $306,000 | $391,000 |
| Cheboygan County, MI | $306,000 | $391,000 |
| Chippewa County, MI | $306,000 | $391,000 |
| Clare County, MI | $306,000 | $391,000 |
| Crawford County, MI | $306,000 | $391,000 |
| Delta County, MI | $306,000 | $391,000 |
| Detroit-Warren-Livonia, MI HUD Metro FMR Area | $306,000 | $408,000 |
| Dickinson County, MI | $306,000 | $391,000 |
| Emmet County, MI | $306,000 | $391,000 |
| Flint, MI MSA | $306,000 | $391,000 |
| Gladwin County, MI | $306,000 | $391,000 |
| Gogebic County, MI | $306,000 | $391,000 |
| Grand Rapids-Wyoming, MI HUD Metro FMR Area | $306,000 | $408,000 |
| Grand Traverse County, MI | $306,000 | $408,000 |
| Gratiot County, MI | $306,000 | $391,000 |
| Hillsdale County, MI | $306,000 | $391,000 |
| Holland-Grand Haven, MI HUD Metro FMR Area | $340,000 | $431,000 |
| Houghton County, MI | $306,000 | $391,000 |
| Huron County, MI | $306,000 | $391,000 |
| Ionia County, MI | $306,000 | $391,000 |
| Iosco County, MI | $306,000 | $391,000 |
| Iron County, MI | $306,000 | $391,000 |
| Isabella County, MI | $306,000 | $391,000 |
| Jackson, MI MSA | $306,000 | $391,000 |
| Kalamazoo-Portage, MI MSA | $306,000 | $391,000 |
| Kalkaska County, MI | $306,000 | $391,000 |
| Keweenaw County, MI | $306,000 | $391,000 |
| Lake County, MI | $306,000 | $391,000 |
| Lansing-East Lansing, MI MSA | $306,000 | $391,000 |
| Leelanau County, MI | $306,000 | $391,000 |
| Lenawee County, MI | $306,000 | $408,000 |
| Livingston County, MI HUD Metro FMR Area | $374,000 | $483,000 |
| Luce County, MI | $306,000 | $391,000 |
| Mackinac County, MI | $306,000 | $391,000 |
| Manistee County, MI | $306,000 | $391,000 |
| Marquette County, MI | $306,000 | $391,000 |
| Mason County, MI | $306,000 | $391,000 |
| Mecosta County, MI | $306,000 | $391,000 |
| Menominee County, MI | $306,000 | $391,000 |
| Midland, MI MSA | $306,000 | $391,000 |
| Missaukee County, MI | $306,000 | $391,000 |
| Monroe, MI MSA | $323,000 | $408,000 |
| Montcalm County, MI HUD Metro FMR Area | $306,000 | $391,000 |
| Montmorency County, MI | $306,000 | $391,000 |
| Muskegon, MI MSA | $306,000 | $391,000 |
| Newaygo County, MI | $306,000 | $391,000 |
| Niles-Benton Harbor, MI MSA | $306,000 | $391,000 |
| Oceana County, MI | $306,000 | $391,000 |
| Ogemaw County, MI | $306,000 | $391,000 |
| Ontonagon County, MI | $306,000 | $391,000 |
| Osceola County, MI | $306,000 | $391,000 |
| Oscoda County, MI | $306,000 | $391,000 |
| Otsego County, MI | $306,000 | $391,000 |
| Presque Isle County, MI | $306,000 | $391,000 |
| Roscommon County, MI | $306,000 | $391,000 |
| Saginaw, MI MSA | $306,000 | $391,000 |
| Sanilac County, MI | $306,000 | $391,000 |
| Schoolcraft County, MI | $306,000 | $391,000 |
| Shiawassee County, MI | $306,000 | $391,000 |
| St. Joseph County, MI | $306,000 | $391,000 |
| Tuscola County, MI | $306,000 | $391,000 |
| Wexford County, MI | $306,000 | $391,000 |
