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$272,000$340,000
Alger County, MI$272,000$340,000
Allegan County, MI$272,000$340,000
Alpena County, MI$272,000$340,000
Ann Arbor, MI MSA$323,000$417,000
Antrim County, MI$272,000$340,000
Arenac County, MI$272,000$340,000
Baraga County, MI$272,000$340,000
Barry County, MI HUD Metro FMR Area$272,000$357,000
Battle Creek, MI MSA$272,000$340,000
Bay City, MI MSA$272,000$340,000
Benzie County, MI$272,000$340,000
Branch County, MI$272,000$340,000
Cass County, MI HUD Metro FMR Area$272,000$340,000
Charlevoix County, MI$272,000$340,000
Cheboygan County, MI$272,000$340,000
Chippewa County, MI$272,000$340,000
Clare County, MI$272,000$340,000
Crawford County, MI$272,000$340,000
Delta County, MI$272,000$340,000
Detroit-Warren-Livonia, MI HUD Metro FMR Area$289,000$374,000
Dickinson County, MI$272,000$340,000
Emmet County, MI$272,000$357,000
Flint, MI MSA$272,000$340,000
Gladwin County, MI$272,000$340,000
Gogebic County, MI$272,000$340,000
Grand Rapids-Wyoming, MI HUD Metro FMR Area$272,000$357,000
Grand Traverse County, MI$272,000$357,000
Gratiot County, MI$272,000$340,000
Hillsdale County, MI$272,000$340,000
Holland-Grand Haven, MI HUD Metro FMR Area$289,000$374,000
Houghton County, MI$272,000$340,000
Huron County, MI$272,000$340,000
Ionia County, MI$272,000$340,000
Iosco County, MI$272,000$340,000
Iron County, MI$272,000$340,000
Isabella County, MI$272,000$340,000
Jackson, MI MSA$272,000$340,000
Kalamazoo-Portage, MI MSA$272,000$340,000
Kalkaska County, MI$272,000$340,000
Keweenaw County, MI$272,000$340,000
Lake County, MI$272,000$340,000
Lansing-East Lansing, MI MSA$272,000$357,000
Leelanau County, MI$272,000$374,000
Lenawee County, MI$306,000$408,000
Livingston County, MI HUD Metro FMR Area$323,000$417,000
Luce County, MI$272,000$340,000
Mackinac County, MI$272,000$340,000
Manistee County, MI$272,000$340,000
Marquette County, MI$272,000$340,000
Mason County, MI$272,000$340,000
Mecosta County, MI$272,000$340,000
Menominee County, MI$272,000$340,000
Midland, MI MSA$289,000$374,000
Missaukee County, MI$272,000$340,000
Monroe, MI MSA$289,000$374,000
Montcalm County, MI HUD Metro FMR Area$272,000$340,000
Montmorency County, MI$272,000$340,000
Muskegon, MI MSA$272,000$340,000
Newaygo County, MI$272,000$340,000
Niles-Benton Harbor, MI MSA$272,000$340,000
Oceana County, MI$272,000$340,000
Ogemaw County, MI$272,000$340,000
Ontonagon County, MI$272,000$340,000
Osceola County, MI$272,000$340,000
Oscoda County, MI$272,000$340,000
Otsego County, MI$272,000$340,000
Presque Isle County, MI$272,000$340,000
Roscommon County, MI$272,000$340,000
Saginaw, MI MSA$272,000$340,000
Sanilac County, MI$272,000$340,000
Schoolcraft County, MI$272,000$340,000
Shiawassee County, MI$272,000$340,000
St. Joseph County, MI$272,000$340,000
Tuscola County, MI$272,000$340,000
Wexford County, MI$272,000$340,000
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