Is ZIP 49233 eligible for a USDA loan?

The geographic center of ZIP 49233 sits outside USDA’s ineligible-area boundaries, so homes here are likely eligible for $0 down USDA financing if household income is at or under the area cap. Two houses across the street can still get different answers. Confirm any address with a USDA-approved lender.

What is the USDA income limit for ZIP 49233?

For 49233 (Cement City, MI) the USDA Guaranteed 1–4 person household income limit is $122,800 and the 5–8 person household income limit is $162,100 (Jackson County). USDA counts income for all adults in the home. Deductions for dependents and childcare can bring adjusted income under the cap. See the income limits map .

What is the FHA loan limit for ZIP 49233?

FHA limits are set by county , not by ZIP. For ZIP 49233 HUD lists 3 counties. The 2026 one-unit cap shown here is $541,287 . Limits are higher for 2–4 unit homes. See the FHA loan limits map .

If the property is not USDA eligible, can I still use FHA?

Yes. USDA property eligibility is a location test. FHA does not use that rural/suburban map. If USDA is off the table for the address, FHA is often the next 3.5% down option, as long as the loan stays at or under the county FHA cap and you meet FHA credit and occupancy rules.