USDA Vs. FHA your options comparison in Covington, Miami County, OH

In 2025, 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.

Compare loan offers from 100 lenders

2025 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.

Lendersa USDA loan request results

What is a USDA Loan in OH?

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.

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



  • First National Bank of Alvin
  • 1600 East Hwy. 6, Alvin, TX, 77511
  • All services at First National Bank of Alvin have been restored. We apologize for any inconvenience that the outage has caused and appreciate your business. First National Bank of Alvin has earned a 5 Star rating for financial stability from Bauer Financial. First National Bank of Alvin is now offering Credit MasterCards to approved customers.
  • First National Bank of Dublin
  • 825 N. Patrick, Dublin, TX, 76446
  • The First National Bank is an independent locally owned bank located in Dublin, Texas. The bank was chartered on May 7, 1985. On January 1, 1997 First National Bank merged with First State Bank of Deleon, Texas. The newly created bank retained the First National Bank's name & opened its main office in Dublin & branches in DeLeon and Gustine, Texas.
  • First United Bank Texas
  • 301 North Main Street, Childress, TX, 79201
  • First United Bank, a subsidiary of Plains Bancorp, Inc, reports total assets of more than $2 billion and currently operates 17 Banking Center offices in 13 West Texas communities; Amarillo, Canyon, Childress, Dimmitt, Earth, Lamesa, Littlefield, Lubbock, Paducah, Seagraves, Seminole, Sudan, and Wichita Falls, Texas.
  • ASC Mortgage Group
  • 8401 Lake Worth Road, Suite 110, Lake Worth, FL, 33467
  • Whether you are purchasing your first home or wanting to refinance your current mortgage, our Mortgage Loan Originators will do their best to find competitive rates. Our team will guide you through the entire process in hopes of making everything seamless and easy for you! Alexander Cockrell is the Owner of ASC Mortgage Group.
  • AMCI HOMESLLC
  • 6801 Lake Worth Road, Suite 109, Lake Worth, FL, 33467
  • AMCI HOMES, LLC is the key to your FINANCING. You need a Mortgage AMCI HOMES has a solution for you. AMCI HOMES.LLC was incorporated on 31 Aug 2017 as Florida Limited Liability Company type, registered at 6801 LAKE WORTH .RD SUITE 109 LAKE WORTH, FL 33467. Amci Homes.llc has 5 total employees across all of its locations.
  • Goldlynk Charter Llc
  • 8461 Lake Worth Road, Lake Worth, FL, 33467
  • When buying a home, there's none more important than the person you choose to represent you. We'll explain the process of buying your new home, and guide you through all the ups and downs and get closed on time.REGINALD WILLIAMS Owner of GOLDLYNK CHARTER LLC. If you are ready to start your buying or selling process give me a call at 561-667-8900.
  • JSS Funding Corp
  • 1012 South Dixie Highway, Lake Worth, FL, 33460
  • We are motivated to assist you through the process of obtaining your loan.Whether you are purchasing a home or refinancing your existing home loan, our highly experienced professionals will give you the personal attention you deserve.We are committed to shop through many lenders for the lowest possible rates & best program that fits your situation.
  • Ulysse Mortgage LLC
  • 723 South Federal Highway, Lake Worth, FL, 33460
  • At Ulysse Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.