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 |
USDARDLoan.com Mortgage has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. USDARDLoan.com Mortgage may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you need specific details about any information contained in our site, you should contact USDARDLoan.com Mortgage at 440-796-1642.If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 440-796-1642. This contact information is for accommodation requests only. This is not a commitment to lend or extend credit. All loans are subject to credit approval including credit worthiness, insurability, and ability to provide acceptable collateral. Not all loans or products are available in all states. USDARDLoan.com is not affiliated with any government agency.
