USDA and FHA Pro and Con in Fairfield, Butler County, OH

In 2025, the USDA loan limit for Fairfield in Butler county, OH, is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's leading rates for USDA and FHA loans. It helps determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in deciding which program in best fits your financial needs.

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Loan Limits & Downpayment Requirements for 2025 in Fairfield, Butler, OH

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Fairfield, OH

Lendersa® aims to quickly secure the best USDA or FHA loan for you, hassle-free. Choose one of three starting points that connect you with matching lenders and USDA loan programs.

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Defining USDA Loans in OH

A USDA home loan is a government-backed loan, otherwise known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans need none, offering zero down payment options for eligible homes.

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



  • De Witt Bank & Trust Co.
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  • DeWitt Bank & Trust Co. wants to be your bank! We have the people, the products and the know-how to meet all of your financial needs. Looking for personal banking? Whether you are a student opening your first checking account, a couple buying your first home and starting a family, or planning for retirement, DeWitt Bank & Trust Co. is there for you
  • First Central State Bank
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  • As a locally owned bank, First Central State Bank is in touch with the community we serve and is responsive to the financial needs of our customers. We work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future.
  • 167th TFR Federal Credit Union
  • 1945 Edwin Miller Boulevard, Martinsburg, WV, 25404
  • Working together towards a common goal is an idea familiar to us as citizens, as employees, and as family members. Working together, we succeed in building a better future for all. That spirit of cooperation inspired the formation of the 167th TFR Federal Credit Union in 1959. As a credit union, we're a non-profit financial cooperative
  • Mortgage Financing.com
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  • The MortgageFinancing.com Team is your premier mortgage team located in Martinsburg, West Virginia. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Martinsburg area
  • American Pacific Mortgage
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  • Welcome to the Burke Team at American Pacific Mortgage, where we prioritize trust, expertise, and personal service in your home financing journey. Our experienced team guides you through the mortgage process, tailoring our services to your needs, whether you're a first-time buyer, refinancing, or exploring investments. Experience the Burke Team dif
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  • Family Security Credit Union offers many convenient online services from their website 24 hours a day. Family Security Credit Union's online banking allows members to save time and money with online bill pay, check account balances, order checks, make loan payments, view e-Statements.
  • Carolina Cooperative Federal Credit Union
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  • East Coast Mortgage Lending
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  • Admiral Home Mortgage
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