USDA Vs. FHA Pro and Con comparison in Clayton, Montgomery County, OH
In 2026, the USDA loan limit for Clayton, located in the county of Montgomery, OH, is {DETAILS_LOAN_LIMIT_USDA_1_1}. For a single-family home, the FHA limit is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates, identifying the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage tool, you can view USDA, FHA, Conforming, and VA programs side by side, which assists in selecting the best option for your financial needs in Alabama.
2026 Loan Limits and Downpayment Requirements in Clayton, Montgomery, OH
Loan Type
Loan Limit
Down Payment
USDA
{DETAILS_LOAN_LIMIT_USDA_1_1}
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Clayton, OH
Lendersa® aims to secure the best available USDA or FHA loan for you efficiently and without hassle. Choose one of the following pathways to connect with matching lenders and suitable USDA loan programs.
The USDA home loan is a government-guaranteed mortgage by the Department of Agriculture, also referred to as the USDA rural development loan. Available exclusively in rural areas, this loan offers an advantage over FHA loans that require a down payment minimum of 3.5%, whereas USDA loans require none.
The Brookville Building & Savings Association was chartered on February 28, 1903 to serve the various savings and credit needs of individuals, businesses, and organizations in our community. At that time, Brookville was the largest and most active business center in Clay Township.
DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.
Day Air Credit Union, a not-for-profit, full-service financial institution that serves businesses and residents of the Dayton community in southwest Ohio. In addition to our six full-service locations, credit Union members have access to thousands of surcharge-free ATMs and shared branches nationwide.
At C & G Mortgage. We are a full service mortgage company based in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle, , Ohio. We specialize in FHA loans, First Time Home buyer, in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle
Abbey Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937, our members have experienced the meaning of belonging to a financial institution that cares about its community.Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937
The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.
CODE Credit Union is a member-owned, cooperative financial institution that has been serving municipal employees and select companies and organizations since 1940. We continuously strive toward excellence by providing a comprehensive range of quality products and services to meet our members' financial needs.
120 West Second Street, Suite 1406, Dayton, OH, 45402
Lends in Ohio
Great Oak Funding is a private lender focused on providing funding to help businesses grow and expand. Great Oak Funding provides capital through mezzanine financing to existing companies with a track record of revenue. Great Oak Funding’s management team has a history of working with distressed companies to provide guidance.
As a not-for-profit financial cooperative, Freedom 1st is owned by the folks who save and borrow money at their credit union...the members. Unlike a bank, credit union profits are returned to the members in the form of higher dividends on savings, lower interest rates on loans, lower fees...and many other money saving services.
