Michigan USDA Home Loan
The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.
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Michigan USDA Home Loan Location Eligibility
The Michigan USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties.
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Michigan USDA Home Loan Eligibility
Counties with Ineligible Properties*
| Allegan | Eaton | Jackson | Macomb | Oakland | St. Clair | |||||
| Bay | Genesee | Kalamazoo | Midland | Ottawa | Washtenaw | |||||
| Berrien | Ingham | Kent | Monroe | Saginaw | Wayne | |||||
| Calhoun | Isabella | Lenawee | Muskegon | |||||||
| Cass |
*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page.
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Michigan USDA Home Loan Income Eligibility
The Michigan USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household.
The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information.
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| Location | 1 to 4 | 5 to 8 | Location | 1 to 4 | 5 to 8 | Location | 1 to 4 | 5 to 8 | ||
| Ann Arbor, MI | $92,000 | $121,450 | Benzie County, MI | $73,600 | $97,150 | Luce County, MI | $73,600 | $97,150 | ||
| Battle Creek, MI | $73,600 | $97,150 | Branch County, MI | $73,600 | $97,150 | Mackinac County, MI | $73,600 | $97,150 | ||
| Bay City, MI | $73,600 | $97,150 | Charlevoix County, MI | $73,600 | $97,150 | Manistee County, MI | $73,600 | $97,150 | ||
| Detroit-Warren-Livonia, MI | $81,650 | $107,800 | Cheboygan County, MI | $73,600 | $97,150 | Marquette County, MI | $73,600 | $97,150 | ||
| Livingston County, MI | $92,000 | $121,450 | Chippewa County, MI | $73,600 | $97,150 | Mason County, MI | $73,600 | $97,150 | ||
| Flint, MI | $73,600 | $97,150 | Clare County, MI | $73,600 | $97,150 | Mecosta County, MI | $73,600 | $97,150 | ||
| Grand Rapids-Wyoming, MI | $73,600 | $97,150 | Crawford County, MI | $73,600 | $97,150 | Menominee County, MI | $73,600 | $97,150 | ||
| Barry County, MI | $73,600 | $97,150 | Delta County, MI | $73,600 | $97,150 | Midland County, MI | $75,350 | $99,450 | ||
| Ionia County, MI | $73,600 | $97,150 | Dickinson County, MI | $73,600 | $97,150 | Missaukee County, MI | $73,600 | $97,150 | ||
| Newaygo County, MI | $73,600 | $97,150 | Emmet County, MI | $73,600 | $97,150 | Montcalm County, MI | $73,600 | $97,150 | ||
| Holland-Grand Haven, MI | $81,800 | $108,000 | Gladwin County, MI | $73,600 | $97,150 | Montmorency County, MI | $73,600 | $97,150 | ||
| Jackson, MI | $73,600 | $97,150 | Gogebic County, MI | $73,600 | $97,150 | Oceana County, MI | $73,600 | $97,150 | ||
| Kalamazoo-Portage, MI | $73,600 | $97,150 | Grand Traverse County, MI | $73,600 | $97,150 | Ogemaw County, MI | $73,600 | $97,150 | ||
| Lansing-East Lansing, MI | $77,050 | $101,700 | Gratiot County, MI | $73,600 | $97,150 | Ontonagon County, MI | $73,600 | $97,150 | ||
| Monroe, MI | $80,850 | $106,700 | Hillsdale County, MI | $73,600 | $97,150 | Osceola County, MI | $73,600 | $97,150 | ||
| Muskegon-Norton Shores, MI | $73,600 | $97,150 | Houghton County, MI | $73,600 | $97,150 | Oscoda County, MI | $73,600 | $97,150 | ||
| Niles-Benton Harbor, MI | $73,600 | $97,150 | Huron County, MI | $73,600 | $97,150 | Otsego County, MI | $73,600 | $97,150 | ||
| Saginaw-Saginaw Township North, MI | $73,600 | $97,150 | Iosco County, MI | $73,600 | $97,150 | Presque Isle County, MI | $73,600 | $97,150 | ||
| Cass County, MI | $73,600 | $97,150 | Iron County, MI | $73,600 | $97,150 | Roscommon County, MI | $73,600 | $97,150 | ||
| Alcona County, MI | $73,600 | $97,150 | Isabella County, MI | $73,600 | $97,150 | St. Joseph County, MI | $73,600 | $97,150 | ||
| Alger County, MI | $73,600 | $97,150 | Kalkaska County, MI | $73,600 | $97,150 | Sanilac County, MI | $73,600 | $97,150 | ||
| Allegan County, MI | $73,600 | $97,150 | Keweenaw County, MI | $73,600 | $97,150 | Schoolcraft County, MI | $73,600 | $97,150 | ||
| Alpena County, MI | $73,600 | $97,150 | Lake County, MI | $73,600 | $97,150 | Shiawassee County, MI | $73,600 | $97,150 | ||
| Antrim County, MI | $73,600 | $97,150 | Leelanau County, MI | $74,200 | $97,950 | Tuscola County, MI | $73,600 | $97,150 | ||
| Arenac County, MI | $73,600 | $97,150 | Lenawee County, MI | $89,850 | $118,600 | Wexford County, MI | $73,600 | $97,150 | ||
| Baraga County, MI | $73,600 | $97,150 |
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