USDA Vs. FHA your options comparison in Athens, Athens County, OH
In 2026, the USDA loan limit for Athens in the county of Athens, located in OH, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the most favorable USDA VS FHA rates today and ascertain the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side to assist you in deciding which program in is most suitable for your specific financial needs.
2026 Loan Limits and Down Payment Requirements in Athens, Athens, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Opportunities in Athens, OH
The goal of Lendersa® is to ensure you quickly receive the most suitable USDA or FHA loan, without unnecessary hassle. Choose one of three accessible starting points that lead to matching lenders offering USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, often referred to as the USDA rural development loan. This type of mortgage is solely available in rural areas and interestingly requires no down payment, which starkly contrasts with FHA loans requiring a minimum down payment of 3.5%.
In 1963, there were no locally owned banks in Athens County. Six forward thinking area business professionals saw a need and came together to start an independent community bank based in Athens. On August 12, 1963, Hocking Valley Bank opened its doors for business. More than 50 years later, we are still committed to local leadership
Ohio University Credit Union has been open since 1955. It's the 18th largest credit union in Ohio with assets totaling $476.96 Million and providing banking services to more than 26, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
Established in 1904, Farmers Bank knows what it takes to sustain a healthy, thriving community. We are passionate about helping individuals, groups, team, organizations, causes and more. As we grow, so does our effort to infuse the neighborhoods that make our communities – and our people – very unique and unquestionably great.
At Vinton County National Bank we are proud of our long history and excited about our promising future. Founded in McArthur, Ohio in 1867, we are a Bauer Financial 5-Star Rated Financial Institution. Since our founding in a small town storefront 153 years ago, we have shown tremendous growth and prosperity.
First Mutual Bank is focused on helping you, our customers, and creating vibrant communities in the Mid-Ohio Valley Region. Being depositor-owned also means we are accountable to our customers, not shareholders. Deposit dollars are reinvested in our communities, and collectively we strengthen and help the local economy thrive.
KRATON Belpre Federal Credit Union has been open since 1970. The credit union has assets totaling $8.55 Million and provides banking services to more than 800 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Home National Bank exists to give our customers the best, most competitive banking experience possible. We do this by offering them the latest & greatest banking products & services in an environment that is friendly, personal. Home National is to see our community thriving in improved quality of life through the financial services that we offer.
