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 USDA Loans 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 USDA Eligibility for a 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

Quick Scroll
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 46450 46450 46450 46450 61350 61350 61350 61350
Apply Now LOW INCOME 71900 71900 71900 71900 94900 94900 94900 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Battle Creek, MI MSA
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bay City, MI MSA
VERY LOW INCOME 30200 30200 30200 30200 39900 39900 39900 39900
Apply Now LOW INCOME 48300 48300 48300 48300 63750 63750 63750 63750
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Detroit-Warren-Livonia, MI HUD Metro FMR Area
VERY LOW INCOME 35500 35500 35500 35500 46850 46850 46850 46850
Apply Now LOW INCOME 56800 56800 56800 56800 75000 75000 75000 75000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Livingston County, MI HUD Metro FMR Area
VERY LOW INCOME 46550 46550 46550 46550 61450 61450 61450 61450
Apply Now LOW INCOME 71900 71900 71900 71900 94900 94900 94900 94900
MOD.INC-GUAR.LOAN 103350 103350 103350 103350 136400 136400 136400 136400
Flint, MI MSA
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Barry County, MI HUD Metro FMR Area
VERY LOW INCOME 34100 34100 34100 34100 45050 45050 45050 45050
Apply Now LOW INCOME 54550 54550 54550 54550 72000 72000 72000 72000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grand Rapids-Wyoming, MI HUD Metro FMR Area
VERY LOW INCOME 34950 34950 34950 34950 46150 46150 46150 46150
Apply Now LOW INCOME 55900 55900 55900 55900 73800 73800 73800 73800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Holland-Grand Haven, MI HUD Metro FMR Area
VERY LOW INCOME 38500 38500 38500 38500 50850 50850 50850 50850
Apply Now LOW INCOME 61600 61600 61600 61600 81300 81300 81300 81300
MOD.INC-GUAR.LOAN 88550 88550 88550 88550 116900 116900 116900 116900
Montcalm County, MI HUD Metro FMR Area
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson, MI MSA
VERY LOW INCOME 31200 31200 31200 31200 41200 41200 41200 41200
Apply Now LOW INCOME 49900 49900 49900 49900 65850 65850 65850 65850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kalamazoo-Portage, MI MSA
VERY LOW INCOME 34400 34400 34400 34400 45450 45450 45450 45450
Apply Now LOW INCOME 55050 55050 55050 55050 72650 72650 72650 72650
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lansing-East Lansing, MI MSA
VERY LOW INCOME 36950 36950 36950 36950 48800 48800 48800 48800
Apply Now LOW INCOME 59100 59100 59100 59100 78000 78000 78000 78000
MOD.INC-GUAR.LOAN 84950 84950 84950 84950 112150 112150 112150 112150
Midland, MI MSA
VERY LOW INCOME 36700 36700 36700 36700 48450 48450 48450 48450
Apply Now LOW INCOME 58700 58700 58700 58700 77500 77500 77500 77500
MOD.INC-GUAR.LOAN 84400 84400 84400 84400 111400 111400 111400 111400
Monroe, MI MSA
VERY LOW INCOME 37550 37550 37550 37550 49600 49600 49600 49600
Apply Now LOW INCOME 60100 60100 60100 60100 79350 79350 79350 79350
MOD.INC-GUAR.LOAN 86400 86400 86400 86400 114050 114050 114050 114050
Muskegon, MI MSA
VERY LOW INCOME 31050 31050 31050 31050 40950 40950 40950 40950
Apply Now LOW INCOME 49700 49700 49700 49700 65600 65600 65600 65600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Niles-Benton Harbor, MI MSA
VERY LOW INCOME 30500 30500 30500 30500 40300 40300 40300 40300
Apply Now LOW INCOME 48800 48800 48800 48800 64400 64400 64400 64400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Saginaw, MI MSA
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cass County, MI HUD Metro FMR Area
VERY LOW INCOME 29600 29600 29600 29600 39100 39100 39100 39100
Apply Now LOW INCOME 47350 47350 47350 47350 62500 62500 62500 62500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alcona County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alger County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Allegan County, MI
VERY LOW INCOME 32800 32800 32800 32800 43300 43300 43300 43300
Apply Now LOW INCOME 52500 52500 52500 52500 69300 69300 69300 69300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alpena County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Antrim County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Arenac County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Baraga County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Benzie County, MI
VERY LOW INCOME 30000 30000 30000 30000 39600 39600 39600 39600
Apply Now LOW INCOME 48000 48000 48000 48000 63350 63350 63350 63350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Branch County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Charlevoix County, MI
VERY LOW INCOME 31700 31700 31700 31700 41850 41850 41850 41850
Apply Now LOW INCOME 50700 50700 50700 50700 66900 66900 66900 66900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cheboygan County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chippewa County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clare County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crawford County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Delta County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dickinson County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Emmet County, MI
VERY LOW INCOME 34000 34000 34000 34000 44900 44900 44900 44900
Apply Now LOW INCOME 54400 54400 54400 54400 71800 71800 71800 71800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gladwin County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gogebic County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grand Traverse County, MI
VERY LOW INCOME 36700 36700 36700 36700 48450 48450 48450 48450
Apply Now LOW INCOME 58700 58700 58700 58700 77500 77500 77500 77500
MOD.INC-GUAR.LOAN 84400 84400 84400 84400 111400 111400 111400 111400
Gratiot County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hillsdale County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Houghton County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Huron County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ionia County, MI
VERY LOW INCOME 30400 30400 30400 30400 40150 40150 40150 40150
Apply Now LOW INCOME 48650 48650 48650 48650 64200 64200 64200 64200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Iosco County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Iron County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Isabella County, MI
VERY LOW INCOME 31900 31900 31900 31900 42150 42150 42150 42150
Apply Now LOW INCOME 51050 51050 51050 51050 67400 67400 67400 67400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kalkaska County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Keweenaw County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lake County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Leelanau County, MI
VERY LOW INCOME 36000 36000 36000 36000 47550 47550 47550 47550
Apply Now LOW INCOME 57600 57600 57600 57600 76050 76050 76050 76050
MOD.INC-GUAR.LOAN 82800 82800 82800 82800 109300 109300 109300 109300
Lenawee County, MI
VERY LOW INCOME 39050 39050 39050 39050 51500 51500 51500 51500
Apply Now LOW INCOME 62500 62500 62500 62500 82500 82500 82500 82500
MOD.INC-GUAR.LOAN 89850 89850 89850 89850 118600 118600 118600 118600
Luce County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mackinac County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Manistee County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marquette County, MI
VERY LOW INCOME 32850 32850 32850 32850 43400 43400 43400 43400
Apply Now LOW INCOME 52550 52550 52550 52550 69350 69350 69350 69350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mason County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mecosta County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Menominee County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Missaukee County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Montmorency County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Newaygo County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oceana County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ogemaw County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Ontonagon County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Osceola County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Oscoda County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Otsego County, MI
VERY LOW INCOME 30300 30300 30300 30300 40000 40000 40000 40000
Apply Now LOW INCOME 48500 48500 48500 48500 64000 64000 64000 64000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Presque Isle County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Roscommon County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sanilac County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Schoolcraft County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Shiawassee County, MI
VERY LOW INCOME 31400 31400 31400 31400 41450 41450 41450 41450
Apply Now LOW INCOME 50250 50250 50250 50250 66350 66350 66350 66350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
St. Joseph County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tuscola County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wexford County, MI
VERY LOW INCOME 29350 29350 29350 29350 38750 38750 38750 38750
Apply Now LOW INCOME 46950 46950 46950 46950 61950 61950 61950 61950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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