USDA Guaranteed Loans are the most popular rural development mortgage program in Michigan. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Michigan USDA income limits playing a major role. Guaranteed Loan income limits across MI are listed below.
Michigan USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Alcona County, MI | $86,850 | $114,650 |
| Alger County, MI | $86,850 | $114,650 |
| Allegan County, MI | $86,850 | $114,650 |
| Alpena County, MI | $86,850 | $114,650 |
| Ann Arbor, MI MSA | $108,550 | $143,300 |
| Antrim County, MI | $86,850 | $114,650 |
| Arenac County, MI | $86,850 | $114,650 |
| Baraga County, MI | $86,850 | $114,650 |
| Barry County, MI HUD Metro FMR Area | $86,850 | $114,650 |
| Battle Creek, MI MSA | $86,850 | $114,650 |
| Bay City, MI MSA | $86,850 | $114,650 |
| Benzie County, MI | $86,850 | $114,650 |
| Branch County, MI | $86,850 | $114,650 |
| Cass County, MI HUD Metro FMR Area | $86,850 | $114,650 |
| Charlevoix County, MI | $86,850 | $114,650 |
| Cheboygan County, MI | $86,850 | $114,650 |
| Chippewa County, MI | $86,850 | $114,650 |
| Clare County, MI | $86,850 | $114,650 |
| Crawford County, MI | $86,850 | $114,650 |
| Delta County, MI | $86,850 | $114,650 |
| Detroit-Warren-Livonia, MI HUD Metro FMR Area | $87,750 | $115,850 |
| Dickinson County, MI | $86,850 | $114,650 |
| Emmet County, MI | $86,850 | $114,650 |
| Flint, MI MSA | $86,850 | $114,650 |
| Gladwin County, MI | $86,850 | $114,650 |
| Gogebic County, MI | $86,850 | $114,650 |
| Grand Rapids-Wyoming, MI HUD Metro FMR Area | $88,100 | $116,300 |
| Grand Traverse County, MI | $89,150 | $117,700 |
| Gratiot County, MI | $86,850 | $114,650 |
| Hillsdale County, MI | $86,850 | $114,650 |
| Holland-Grand Haven, MI HUD Metro FMR Area | $96,600 | $127,500 |
| Houghton County, MI | $86,850 | $114,650 |
| Huron County, MI | $86,850 | $114,650 |
| Ionia County, MI | $86,850 | $114,650 |
| Iosco County, MI | $86,850 | $114,650 |
| Iron County, MI | $86,850 | $114,650 |
| Isabella County, MI | $86,850 | $114,650 |
| Jackson, MI MSA | $86,850 | $114,650 |
| Kalamazoo-Portage, MI MSA | $86,850 | $114,650 |
| Kalkaska County, MI | $86,850 | $114,650 |
| Keweenaw County, MI | $86,850 | $114,650 |
| Lake County, MI | $86,850 | $114,650 |
| Lansing-East Lansing, MI MSA | $86,850 | $114,650 |
| Leelanau County, MI | $86,850 | $114,650 |
| Lenawee County, MI | $89,850 | $118,600 |
| Livingston County, MI HUD Metro FMR Area | $108,550 | $143,300 |
| Luce County, MI | $86,850 | $114,650 |
| Mackinac County, MI | $86,850 | $114,650 |
| Manistee County, MI | $86,850 | $114,650 |
| Marquette County, MI | $86,850 | $114,650 |
| Mason County, MI | $86,850 | $114,650 |
| Mecosta County, MI | $86,850 | $114,650 |
| Menominee County, MI | $86,850 | $114,650 |
| Midland, MI MSA | $86,850 | $114,650 |
| Missaukee County, MI | $86,850 | $114,650 |
| Monroe, MI MSA | $90,850 | $119,900 |
| Montcalm County, MI HUD Metro FMR Area | $86,850 | $114,650 |
| Montmorency County, MI | $86,850 | $114,650 |
| Muskegon, MI MSA | $86,850 | $114,650 |
| Newaygo County, MI | $86,850 | $114,650 |
| Niles-Benton Harbor, MI MSA | $86,850 | $114,650 |
| Oceana County, MI | $86,850 | $114,650 |
| Ogemaw County, MI | $86,850 | $114,650 |
| Ontonagon County, MI | $86,850 | $114,650 |
| Osceola County, MI | $86,850 | $114,650 |
| Oscoda County, MI | $86,850 | $114,650 |
| Otsego County, MI | $86,850 | $114,650 |
| Presque Isle County, MI | $86,850 | $114,650 |
| Roscommon County, MI | $86,850 | $114,650 |
| Saginaw, MI MSA | $86,850 | $114,650 |
| Sanilac County, MI | $86,850 | $114,650 |
| Schoolcraft County, MI | $86,850 | $114,650 |
| Shiawassee County, MI | $86,850 | $114,650 |
| St. Joseph County, MI | $86,850 | $114,650 |
| Tuscola County, MI | $86,850 | $114,650 |
| Wexford County, MI | $86,850 | $114,650 |
