USDA and FHA Pro and Con in Baltimore, Fairfield County, OH

In 2025, the USDA loan limit in Baltimore, Fairfield County, OH is $351,400, while the FHA cap for a single-family home is $488,750.

Utilize the Lendersa® USDA loan calculator to match current USDA and FHA best rates, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator highlights USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Baltimore, Fairfield County, OH

Loan Type Loan Limit Down Payment
USDA $351,400 0%
FHA $488,750 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Baltimore, OH

Lendersa® aims to secure the best USDA or FHA loan for you quickly and without hassle. Choose from three starting points to match with lenders and USDA loan programs.

Outcome of Lendersa USDA loan requests and matches

Understanding USDA Loans in OH

A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans, requiring a minimum 3.5% down payment, the USDA mortgage has no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Best Life Mortgage Advisor
  • 33 Market Point Drive, Greenville, SC, 29607
  • At Best Life Mortgage we believe that eveyone can make a positive impact in the world. We are blessed and committed to donate 10% of our profits to liberate kids from human trafficking and invite you join us in the fight. We customize loans that are right for our clients helping them build a strong financial future.
  • Next Mortgage LLC
  • 1200 WOODRUFF ROAD, Suite A3, Greenville, SC, 29607
  • NextMortgage is what lending should look like. We aren’t just focused on getting the transaction done, but what everyone gains along the way. Products and services matter, but what matters most is our people. The people on our team, the people we do business with, and the people on all sides of the mortgage transaction
  • Boykin Home Mortgage
  • 128 Millport Circle, Suite 200, Greenville, SC, 29607
  • At Boykin Home Mortgage, we are committed to providing our clients with the highest level of outstanding home loan services and building long-lasting customer relationships. Our goal is to provide the best mortgage lending solutions every time. Whether you're looking to purchase a new home or refinance your existing mortgage, we've got answers.
  • Key Mortgage Experts
  • 629 Vickery Park Dr, Nolensville, TN, 37135
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Reliant Bank
  • 1736 Carothers Parkway, Suite 100, Brentwood, TN, 37027
  • We’re Reliant Bank, a community bank that was built from the ground up on the idea that customer and community should always come first. We do pretty much everything the big banks do. We just do it a little differently – okay, a lot differently. We treat you with respect. And go out of our way to make sure that your banking experience with us.
  • New Castle Mortgage - Reverse
  • 5115 Maryland Way, Suite 67, Brentwood, TN, 37027
  • New Castle Mortgage is a major producer of Reverse Mortgage loans in Tennessee, owned & operated by Tennesseans, purely specializing in Reverse Mortgages. As a consumer you can be certain we are credible, qualified, & experienced.Mike Holton and Catherine Holton, each have over 20 years’ experience originating FHA loans throughout the state of TN.
  • P3 Home Loans
  • 5115 Maryland Way, Suite 124, Brentwood, TN, 37027
  • P3 Home Loans serves all of Tennessee, making sure to save local home owners money and time. Rod Freeman is the voice of P3 Home Loans and has managed the success of hundreds of clients’ mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval, you can depend on our mortgage professionals.
  • Meridian Capital Group
  • 5115 Maryland Way, Brentwood, TN, 37027
  • "MCL Private Lending is a direct private money lender that was established to provide time sensitive, creative, short term financing to builders, developers, and real estate investors. MCL Private Lending is Nashville’s leading direct, private money lender. Based in Brentwood, Tennessee,