In 2026, the USDA loan limit in Covington, within Miami, OH, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare top USDA and FHA rates today, evaluating the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA side by side, aiding in choosing the ideal program in for your financial scenario.
2026 Loan Limits and Downpayment Requirements in Covington, Miami, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming
$726,200
3%
USDA and FHA Loan Options in Covington, OH
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Begin by selecting one of three pathways leading to matching lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, referred to as a USDA rural development loan or mortgage, and is available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans demand no down payment.
At Versailles Savings & Loan, customer service is our number one priority. We are able to meet the needs of our customers with our staff’s fast friendly service. Being locally owned and operated, we are able to assist our customers by getting them answers in a timely manner rather than waiting for word from a corporate office
Peoples Federal Savings and Loan Association has participated with pride in the agricultural, commercial, and industrial development that has graced Shelby County and shaped the destiny of its residents. and that time, the only two services we were allowed to provide were mortgage loans and savings accounts.
Western Ohio Mortgage Corp. is a community lender that has been serving customers since 1999. Western Ohio Mortgage has offices located in Sidney, Lima, Mason, and Lebanon Ohio. We also serve Kentucky from offices in Florence and Lexington Kentucky.At Western Ohio Mortgage, our mission is to set a high standard in the mortgage industry.
Our credit union was chartered with the state of Ohio on October 17, 1954, when Fram Corporation (now Fram Group) banded together to help solidify their financial futures. Since then we have grown to over 3, 200 members with 37 different companies and people living or working within the county along with their family members.
GNB Banking Centers is the trade name for Greenville National Bank, a full-service, independent, community bank with 10 locations (6 of those with ATMs) and 2 additional ATM-only locations to serve you. We offer competitive deposit and loan rates. We have deposit and loan products for individuals and businesses, including agri-businesses.
KTL Performance Mortgage is a Mortgage Lender in Greenville, OH, who helps people in Ohio, Indiana, Kentucky, and Florida achieve their unique dreams of home ownership. We strive to be the best Mortgage Lender possible, so that we can help find the right Home Mortgage solution for each person’s life situation.
Minster Bank is a locally owned community bank serving Auglaize, Mercer, Miami, Montgomery, & Shelby counties. At Minster Bank we take pride in our progressive & personable approach to providing financial services.Minster Bank has been helping individuals, families & businesses achieve their dreams by offering a variety of Personal, Business.
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 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.
