USDA Vs. FHA Pro and Con comparison in Chillicothe, Ross County, OH
In the year 2026, the USDA loan limit for Chillicothe in the county of Ross, situated in OH, stands at $336,500. Meanwhile, the Fannie Mae or FHA limit for a single-family property is set at $472,030.
Utilize Lendersa®'s USDA loan calculator to assess and compare today’s most favorable USDA and FHA rates. Determine the income, credit score, reserves, and documentation requirements necessary for qualification. Our sophisticated mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA programs, assisting in choosing the optimal program in for your unique financial needs.
Loan limits and initial payment requirements for 2026 in Chillicothe, within the county of Ross, OH
Loan Category
Maximum Loan Amount
Down Payment Percentage
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Choices in Chillicothe, OH
At Lendersa®, the aim is to secure the most advantageous USDA or FHA loans promptly and with ease. Choose from three distinctive starting paths to get matched with lenders offering USDA loans.
A USDA home loan, supported by the government through the Department of Agriculture, is also known as USDA rural development loan or USDA mortgage. These loans are exclusively available for properties in rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgage loans require no down payment at all.
The mission of Chivaho Federal Credit Union is to provide opportunities to build member wealth and security through affordable financial services, creating a stronger community. Chivaho is a non-profit organization owned and operated by its members. The birth of the Credit Union began with seven members contributing $5.00 each
Homeland Credit Union. Homeland has provided financial services to generations of families. While we are proud of our past, we are excited about the opportunity to serve you and your family now and into the future."Credit Union. Homeland has provided financial services to generations of families.
Kingston National Bank defines itself as “A Real Community Bank, Really Serving Communities”, a motto that was established when Phil Dunlap and his associates founded the Bank back in 1909. The tradition of providing customers with excellent banking products and superior customer service still prevails.
First National Bank is committed to its customers. For over 150 years our doors have been open, and we strive to serve our customers to best meet their individual financial needs, not only because they're our customers, but also our friends and neighbors. We take pride in being on a first name basis with our customers.
649 Lancaster Pike, Suite 100, Circleville, OH, 43113
Lends in Ohio
Direction Mortgage has helped thousands of people navigate their way through the home buying maze and achieve their dream of home ownership...and we’ve done so with pride since 1992. We can help you obtain an FHA (Federal Housing Administration), USDA Rural Development, VA or Conventional loan. Direction Mortgage can help you find the loan
Atomic Credit Union is currently offering great rates with a variety of personal and business services, including checking and savings accounts, auto loans, mortgages and much more. Bank online or at any of our convenient locations in Athens, Beaver, Chillicothe, Jackson, Logan, Lucasville, Minford, Oak Hill, Piketon, Portsmouth, Waverly, Wellston,
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.
Fairfield Federal Savings and Loan Association of Lancaster
111 East Main Street, Lancaster, OH, 43130
Lends in Ohio
Fairfield Federal Savings & Loan Association is your Fairfield County community bank specializing in Home Mortgage Loans. We've been serving the Lancaster community since 1895. Fairfield Federal is a Member of the FDIC and is an Equal Housing Lender. Stop in and see us today! We are banking that revolves around you
Desco Federal Credit Union provides an exceptional banking experience to residents of Scioto and Lawrence Counties in Ohio, Boyd and Greenup Counties in Kentucky, and Cabell and Wayne Counties in West Virginia. As we continue to expand, our commitment to our members and the community will remain top priority.
