USDA Vs. FHA your options comparison in Columbus, Franklin County, OH

In 2025, USDA loan limit in Columbus, county of Franklin, OH is $351,400 while FHA limit is $488,750 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Columbus, county of Franklin, OH

Loan Type Loan Limit Down payment
USDA $351,400 0%
FHA $488,750 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Columbus, OH

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Ohio?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Flagler Mortgages Inc
  • 8601 Old Post Road, Port Richey, FL, 34668
  • The principle of this company has been in the Mortgage Industry for over 40 Years. We specialize in placing mortgages for self employed and people with minimal credit. Flagler Mortgages is a Full service mortgage broker. Programs available to suit all needs and profiles including FHA and VA. When the bank says no, call us.
  • Evolution Mortgage Loans LLC
  • 6900 Tavistock Lakes Blvd, Suite 400, Orlando, FL, 32827
  • At EVOLUTION MORTGAGE LOANS LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
  • Northpoint Mortgage, Inc.
  • 9161 Narcoossee Rd b200, Orlando, FL, 32827
  • Northpoint Mortgage strives to embrace our core principles of community, excellence, integrity, and service in everything we do. We have a knowledgeable local sales team and support staff committed to ensuring a smooth professional process throughout start to finish and in the future.
  • First National Bank USA
  • 13386 Hwy 90, Boutte, LA, 70039
  • Some customers may need more assistance than can be provided by an Online Banking site. It is for this reason that First National Bank USA continues to provide additional auxiliary aids and services, including accepting toll-free telephone calls from customers who may have questions or need assistance regarding their accounts
  • Penobscot County Federal Credit Union
  • 205 Main Street, Old Town, ME, 04468
  • Penobscot County Federal Credit Union focuses on providing family style service and top notch consumer lending for the current and potential members of Penobscot County Federal Credit Union. Penobscot County Federal Credit Union has grown into a full service financial institution that has over 8, 000 members and assets over $53 million.
  • NOMAR MORTGAGE
  • 9119 Hunters Mill Drive, Orlando, FL, 32832
  • "About NOMAR MORTGAGE The NOMAR MORTGAGE mission is to “Create a Positive Technological Digital Experience with an Ethical Personal Touch” to “Modernize and Simplify” the home buying process, making it a fast and satisfying experience. Buyer or Realtor, when you choose NOMAR MORTGAGE as your partner, be assured"
  • Finibi Mortgage Inc
  • 9692 Pacific Pines Court, Orlando, FL, 32832
  • We offer loans for all types of borrowers from low down payment options to foreign borrowers. In addition, we have products that don't require you to pay mortgage insurance when you finance more than 80% of the purchase price through lender paid MI. We offer speed, a positive attitude, and great service!
  • Nona Mortgage LLC
  • 10133 Chorlton Circle, Orlando, FL, 32832
  • Nona Mortgage began in 2016 with one concept that became our Motto and our Mission. One Family, One Loan, One Relationship, One Home at a Time. Treating each transaction as an exceptional opportunity to help and get to know members of the community. It will be our honor to grow with you.
  • The State Exchange Bank
  • 1280 Main Street, Lamont, OK, 74643
  • The State Exchange Bank opened in Salt Fork, Oklahoma on October 1, 1901. As a result of circumstances brought about by the nation’s financial crisis in the early 1930s, the bank was moved to Lamont in 1935. Since its beginning, the bank has remained a locally-owned independent community bank.
  • Valley Premier Bank
  • 416 Sixth Street, Hawley, MN, 56549
  • Valley Premier Bank continues to be locally owned and operated by the same people in the same locations. Both offices offer traditional bank products, which include commercial, real estate and consumer loans, checking and savings accounts, certificates of deposit, safe deposit boxes
  • New Destiny Mortgage
  • 21874 Butterfly Kiss Drive, Land O Lakes, FL, 34637
  • At New Destiny Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you