In 2026, the USDA loan limit in Celina, within Mercer County, OH stands at $336,500, while the FHA limit for a single-family residence is $472,030.
To compare the best USDA versus FHA rates available today, use the Lendersa® USDA loan calculator, which determines the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the most fitting program in for your financial situation.
2026 Loan Limits and Downpayment Requirements in Celina, Mercer County, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Celina, OH
The goal of Lendersa® is to connect you with the optimal USDA or FHA loan quickly and with ease. Choose from three pathways leading to matching lenders and USDA loan solutions.
The USDA home loan, guaranteed by the Department of Agriculture and also known as the USDA rural development loan or mortgage, is accessible exclusively in rural neighborhoods. Contrary to FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
Dynamic Federal Credit Union (DFCU) was chartered in 1950 as Celina Reynoco Employees Federal Credit Union to serve the employees of Reynolds & Reynolds, Celina, Ohio. The credit union was located within the core group facility. In 1996 the Board of Directors began researching ways to extend the credit union's services to the community.
Banking had its beginning in Coldwater of 1902. Henry C. Fox, Anthony Rathweg, and H. F. Hoffman started a partnership and opened a bank under the name of The Peoples Bank. It was located at the corner of South First and Main Streets. This partnership was so prosperous that in 1905 they decided to form a corporation.
The St. Henry Bank is a banking company headquartered in St. Henry, Ohio, and has been serving the Mercer County, Ohio, area since its establishment in 1905. The bank provides a variety of banking services, including 24-hour automatic teller machines; Internet banking; personal banking, including checking accounts
First National Bank was chartered in 1934 as a national bank. It currently has offices in New Bremen, Wapakoneta, Sidney, New Knoxville, & Botkins, Ohio. The Bank is engaged in serving the financial needs of individuals, businesses, & organizations. The principal business of the bank is making loans and accepting deposits from the general public.
Minster Bank is a locally owned community bank serving Auglaize, Mercer, Miami, Montgomery, & Shelby counties. At Minster Bank we take pride in our progressive & personable approach to providing financial services.Minster Bank has been helping individuals, families & businesses achieve their dreams by offering a variety of Personal, Business.
At Versailles Savings & Loan, customer service is our number one priority. We are able to meet the needs of our customers with our staff’s fast friendly service. Being locally owned and operated, we are able to assist our customers by getting them answers in a timely manner rather than waiting for word from a corporate office
First Federal Savings and Loan Association of Van Wert
679 Fox Road, Van Wert, OH, 45891
Lends in Ohio
First Federal of Van Wert, OH is a locally owned and operated financial institution. We are a community oriented bank which excels in customer service and building relationships. Our goal is to make every banking experience a great one! First Federal and our employees are heavily involved in our community.
