USDA Vs. FHA Pro and Con comparison in Celina, Mercer County, OH
In 2025, 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.
2025 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.
8112 Maryland Avenue, Suite 101, Clayton, MO, 63105
Our values are woven into our uncommon business model, one that offers commercial banking, trust and family office services all within one organization. We develop relationships of distinction, built upon strong, lasting bonds. Our clients know we are here for them in good times and capable and trusted in the face of challenges.
The Business Bank of St. Louis was founded in 2002 and became Stifel Bank on August 31, 2018. Based in Clayton, Missouri, Stifel Bank serves growing and middle market businesses and their owners with a full range of lending, deposit, treasury and private banking services. We have the flexibility and resources to offer our customers the banking
We offer Banking and financial services with offices in Arizona, Kansas, Missouri and New Mexico. Member FDIC, Equal Housing Lender Enterprise Bank & Trust was founded nearly 30 years ago on the idea of serving the lifetime financial needs of privately-held businesses their owner families and other success-minded individuals.
7777 Bonhomme Avenue, Suite 1800, Saint Louis, MO, 63105
We specialize in conventional, FHA, Veterans (VA) & Jumbo Loans. We work with 8 major banks, but don't have any allegiance to a specific one. Because of that fact we are able to routinely offer you some of the lowest rates in the country. What separates us from other local brokers is that you will never have to pay ANY broker fees
7733 Forsyth Blvd, Suite 1100, Saint Louis, MO, 63105
Gateway Mortgage is one of the longest established Missouri mortgage brokerage firms in the St. Louis region serving clients since 1990. Our company has expanded rapidly over the years but we’ve always strictly adhered to our proven business model of excellence & honesty the foundation that has made Gateway the selection of over 10, 000 homeowners
Bay Bank was founded in 1995 by the Oneida Nation and a group of five Green Bay area business men. They intended to provide the Green Bay area community with a locally controlled financial institution. This institution would be free from bank mergers and consolidations that were becoming common to the larger financial institutions.
At Stuart's American Mortgage we want to bring back the "old time customer service" model. Your home is the biggest investment you will make in your life and we understand the stress getting a mortgage can bring. At Stuart's AMC you will not be tossed around from lender to lender, you will speak to the president of the company himself.
Farmers State Bank, headquartered in Pittsfield, IL, has been locally owned since 1889 and remains one of the strongest banks in the nation. Farmers State Bank is ranked the number one bank in agriculture in its market areas of Pike, Scott, Greene, Jersey, Morgan and Adams Counties.
