USDA Loans in Michigan

USDA LOANS IN MICHIGAN
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

USDA LOAN ELIGIBILITY IN MICHIGAN
Many areas in the state of Michigan qualify for a USDA Loan. While the larger cities such as Detroit, Ann Arbor, and Flint will not qualify for a USDA Loan you might be surprised to learn that many of the suburbs of these cities DO qualify for a USDA Loan.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Michigan.

County Name Family Size 1 -4 Family Size 5 – 8
Alcona $78,200 $103,200
Alger $78,200 $103,200
Allegan $78,200 $103,200
Alpena $78,200 $103,200
Antrim $78,200 $103,200
Arenac $78,200 $103,200
Baraga $78,200 $103,200
Barry $78,200 $103,200
Bay $78,200 $103,200
Benzie $78,200 $103,200
Berrien $78,200 $103,200
Branch $78,200 $103,200
Calhoun $78,200 $103,200
Cass $78,200 $103,200
Charlevoix $78,200 $103,200
Cheboygan $78,200 $103,200
Chippewa $78,200 $103,200
Clare $78,200 $103,200
Clinton $79,000 $104,300
Crawford $78,200 $103,200
Delta $78,200 $103,200
Dickinson $78,200 $103,200
Eaton $79,000 $104,300
Emmet $78,200 $103,200
Genesee $78,200 $103,200
Gladwin $78,200 $103,200
Gogebic $78,200 $103,200
Grand Traverse $78,200 $103,200
Gratiot $78,200 $103,200
Hillsdale $78,200 $103,200
Houghton $78,200 $103,200
Huron $78,200 $103,200
Ingham $79,000 $104,300
Ionia $78,200 $103,200
Iosco $78,200 $103,200
Iron $78,200 $103,200
Isabella $78,200 $103,200
Jackson $78,200 $103,200
Kalamazoo $78,200 $103,200
Kalkaska $78,200 $103,200
Kent $78,200 $103,200
Keweenaw $78,200 $103,200
Lake $78,200 $103,200
Lapeer $81,650 $107,800
Leelanau $80,850 $106,700
Lenawee $89,850 $118,600
Livingston $97,750 $129,050
Luce $78,200 $103,200
Mackinac $78,200 $103,200
Macomb $81,650 $107,800
Manistee $78,200 $103,200
Marquette $78,200 $103,200
Mason $78,200 $103,200
Mecosta $78,200 $103,200
Menominee $78,200 $103,200
Midland $80,500 $106,250
Missaukee $78,200 $103,200
Monroe $82,350 $108,700
Montcalm $78,200 $103,200
Montmorency $78,200 $103,200
Muskegon $78,200 $103,200
Newaygo $78,200 $103,200
Oakland $81,650 $107,800
Oceana $78,200 $103,200
Ogemaw $78,200 $103,200
Ontonagon $78,200 $103,200
Osceola $78,200 $103,200
Oscoda $78,200 $103,200
Otsego $78,200 $103,200
Ottawa $78,200 $103,200
Presque Isle $78,200 $103,200
Roscommon $78,200 $103,200
Saginaw $78,200 $103,200
Sanilac $78,200 $103,200
Schoolcraft $78,200 $103,200
Shiawassee $78,200 $103,200
St Clair $81,650 $107,800
St Joseph $78,200 $103,200
Tuscola $78,200 $103,200
Van Buren $78,200 $103,200
Washtenaw $97,750 $129,050
Wayne $81,650 $107,800
Wexford $78,200 $103,200

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