From the hardworking city of Detroit all the way up to the Upper Peninsula, Consumer Real Estate Finance Co. has helped guide the citizens of Michigan explore their USDA Home loan options. For many citizens of this beautiful Great Lakes State, these government-backed, no money down, low interest rates loans have helped make their dreams of home ownership become a reality.

If you are looking for a simple solution to home ownership, Michigan USDA Home loans offer:

  • 100% Financing up to the appraised value
  • Low Interest Rates
  • Flexible Guidelines and Credit Qualification
  • No  Loan Amount Limitations on Michigan Property

Michigan Areas that Qualify for a USDA Loan

Yes, to qualify for a USDA Loan in Michigan, the property must be located within a USDA approved rural area. This, however, is not meant to imply that USDA Home Loans are only available to those residents who reside in farming communities.

Instead, there are a number of qualifying areas located all throughout the state of Michigan. As a guide, qualifying areas generally will:

  • Be located outside a major metropolitan area
  • Have a population of less than 20,000 residents

Because of the varying guidelines, you should never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. can help you determine property eligibility. Fill out the Application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Michigan’s USDA Loan Income Limits by County

Another factor in determining eligibility for a USDA Loan in Michigan includes income limitations. Your yearly income cannot exceed the amount set by the USDA for the county in which you are purchasing property:

Michigan USDA Loan Adjusted Maximum Income Limits by County
Updated 10/24/2012

STATE:MICHIGAN PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Ann Arbor MI MSA VERY LOW INCOME 30600 35000 39350 43700 47200 50700 54200 57700
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Battle Creek MI MSA VERY LOW INCOME 20350 23250 26150 29100 31400 33750 36050 38400
LOW INCOME 32600 37250 41900 46550 50300 54000 57750 61450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bay City MI MSA VERY LOW INCOME 20500 23400 26350 29250 31600 33950 36300 38650
LOW INCOME 32750 37450 42100 46800 50550 54300 58050 61800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Flint MI MSA VERY LOW INCOME 20500 23400 26350 29250 31600 33950 36250 38600
LOW INCOME 32750 37450 42100 46800 50550 54300 58050 61800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grand Rapids-Wyoming MI HUD Metro FMR Area VERY LOW INCOME 22100 25250 28400 31550 34050 36600 39100 41650
LOW INCOME 35350 40400 45450 50500 54550 58600 62600 66650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ionia County MI HUD Metro FMR Area VERY LOW INCOME 20700 23650 26600 29550 31950 34300 36650 39050
LOW INCOME 33100 37850 42550 47300 51100 54850 58650 62450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Metro FMR Area VERY LOW INCOME 18600 21250 23900 26550 28700 30800 32950 35050
LOW INCOME 29750 34000 38250 42500 45900 49300 52700 56100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson MI MSA VERY LOW INCOME 21600 24650 27750 30800 33300 35750 38200 40700
LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kalamazoo-Portage MI MSA VERY LOW INCOME 22150 25300 28450 31600 34150 36700 39200 41750
LOW INCOME 35400 40450 45500 50550 54600 58650 62700 66750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lansing-East Lansing MI VERY LOW INCOME 24050 27500 30950 34350 37100 39850 42600 45350
LOW INCOME 38450 43950 49450 54950 59350 63750 68150 72550
MOD.INC-GUAR.LOAN 79000 79000 79000 79000 104300 104300 104300 104300
Monroe MI MSA VERY LOW INCOME 24600 28100 31650 35150 37950 40750 43600 46400
LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 80850 80850 80850 80850 106700 106700 106700 106700
Muskegon-Norton Shores MI MSA VERY LOW INCOME 21700 24800 27900 31050 33500 36000 38450 40950
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Niles-Benton Harbor MI MSA VERY LOW INCOME 20400 23300 26200 29100 31450 33800 36100 38450
LOW INCOME 32600 37250 41900 46550 50250 54000 57700 61450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Saginaw-Saginaw Township North MI MSA VERY LOW INCOME 19500 22300 25100 27900 30100 32350 34550 36800
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alcona County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alger County MI VERY LOW INCOME 19650 22450 25250 28050 30300 32550 34800 37050
LOW INCOME 31450 35900 40400 44900 48500 52100 55700 59250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Allegan County MI VERY LOW INCOME 21850 24950 28050 31150 33650 36150 38650 41150
LOW INCOME 34900 39900 44850 49850 53850 57850 61800 65800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alpena County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Antrim County MI VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Arenac County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Baraga County MI VERY LOW INCOME 18800 21500 24200 26850 29000 31150 33300 35450
LOW INCOME 30050 34350 38650 42950 46400 49800 53250 56700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Benzie County MI VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Branch County MI VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Charlevoix County MI VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cheboygan County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chippewa County MI VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clare County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Delta County MI VERY LOW INCOME 19200 21950 24700 27400 29600 31800 34000 36200
LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dickinson County MI VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Emmet County MI VERY LOW INCOME 22950 26200 29500 32750 35400 38000 40650 43250
LOW INCOME 36700 41900 47150 52400 56600 60800 65000 69150
MOD.INC-GUAR.LOAN 75350 75350 75350 75350 99450 99450 99450 99450
Gladwin County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gogebic County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grand Traverse County MI VERY LOW INCOME 23100 26400 29700 32950 35600 38250 40900 43500
LOW INCOME 36900 42150 47450 52700 56900 61150 65350 69550
MOD.INC-GUAR.LOAN 75750 75750 75750 75750 100000 100000 100000 100000
Gratiot County MI VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hillsdale County MI VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Houghton County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huron County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iosco County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iron County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Isabella County MI VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kalkaska County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Keweenaw County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lake County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Leelanau County M VERY LOW INCOME 24300 27800 31250 34700 37500 40300 43050 45850
LOW INCOME 38850 44400 49950 55500 59950 64400 68800 73250
MOD.INC-GUAR.LOAN 79800 79800 79800 79800 105350 105350 105350 105350
Lenawee County MI VERY LOW INCOME 27300 31200 35100 39050 42150 45250 48400 51500
LOW INCOME 43750 50000 56250 62500 67500 72500 77500 82500
MOD.INC-GUAR.LOAN 89850 89850 89850 89850 118600 118600 118600 118600
Luce County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mackinac County MI VERY LOW INCOME 19150 21850 24600 27300 29500 31700 33900 36050
LOW INCOME 30600 34950 39350 43700 47200 50700 54200 57700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Manistee County MI VERY LOW INCOME 18650 21300 23950 26600 28750 30900 33000 35150
LOW INCOME 29800 34050 38300 42550 45950 49350 52750 56150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marquette County MI VERY LOW INCOME 23000 26300 29600 32850 35500 38150 40750 43400
LOW INCOME 36800 42050 47300 52550 56750 60950 65150 69350
MOD.INC-GUAR.LOAN 75550 75550 75550 75550 99750 99750 99750 99750
Mason County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mecosta County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Menominee County MI VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Midland County MI VERY LOW INCOME 23300 26600 29950 33250 35950 38600 41250 43900
LOW INCOME 37250 42550 47900 53200 57450 61700 65950 70200
MOD.INC-GUAR.LOAN 76500 76500 76500 76500 101000 101000 101000 101000
Missaukee County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montcalm County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montmorency County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Oceana County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ogemaw County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ontonagon County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Osceola County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Oscoda County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Otsego County MI VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Presque Isle CountyMI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roscommon County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sanilac County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Schoolcraft County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shiawassee County MI VERY LOW INCOME 20400 23300 26200 29100 31450 33800 36100 38450
LOW INCOME 32600 37250 41900 46550 50250 54000 57700 61450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
St. Joseph County MI VERY LOW INCOME 19600 22400 25200 27950 30200 32450 34700 36900
LOW INCOME 31300 35750 40250 44700 48300 51850 55450 59000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tuscola County MI VERY LOW INCOME 19200 21900 24650 27400 29600 31800 34000 36150
LOW INCOME 30700 35100 39450 43850 47350 50850 54350 57900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wexford County MI VERY LOW INCOME 18500 21150 23800 26400 28550 30650 32750 34850
LOW INCOME 29600 33800 38050 42250 45650 49000 52400 55750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Looking for more information?  Learn more about Rural Development Loans in Michigan by contacting Consumer Real Estate Finance Co. today!