As of 2026, the USDA loan cap in Coldwater, situated in Mercer county, OH, is designated as $336,500, whereas the FHA limit for a single-family property is $472,030.
Leverage the Lendersa® USDA loan calculator to analyze today's leading USDA versus FHA rates and figure out the income, credit score, reserves, and documents needed for qualification. Our enhanced mortgage calculator contrasts USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the program that suits your specific financial circumstances in .
2026 Loan Limits and Down Payment Requirements: Coldwater, Mercer, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Coldwater, OH
At Lendersa®, the objective is to help you swiftly secure the most suitable USDA or FHA loan with ease. Opt from one of three initiation points that lead you to relevant lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, exclusively available in rural areas. It differs from FHA loans, which require at least a 3.5% down payment, as USDA loans demand no down payment.
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Trustworthy Mortgage is a locally owned & operated both Mortgage lender & broker company serving Virginia, Maryland, District of Columbia, Texas, & Florida. Our cutting edge technology and commitment to superior customer service has set us apart from our competition.We are especially well known & have an excellent reputation in our licensed areas.
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Our mission is to provide quality financial services for our membership at competitive prices while at the same time working to ensure the safety
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MoneyLine Lending has an excellent track record for providing expert service whether you're looking to purchase a new home or improve cash flow by refinancing. Our team here at Moneyline Lending is small but strong. We are driven by our clients and we have a cohesive system which enables us to work within time constraints while still providing.
