USDA Vs. FHA Pro and Con comparison in Geneva, Ashtabula County, OH

In 2025, USDA loan limit in Geneva, county of Ashtabula, OH is $336,500 while FHA limit is $472,030 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 Geneva, county of Ashtabula, 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 Geneva, 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?



  • Montana Family Mortgage
  • 2825 Stockyard Rd j5, Missoula, MT, 59808
  • At Montana Family Mortgage. We are a full-service mortgage company based in Missoula, MT. We specialize in Conventional, VA Loans, Rural Development, FHA in Missoula and throughout Montana! Whether you are buying a home or refinancing , we can help you realize your dream of home ownership!
  • Ravalli County Federal Credit Union.
  • 501 N 1st Street, Hamilton, MT, 59840
  • Ravalli County FCU was known as Ravalli County Federal Employees Credit Union Association. It was a state chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years additional groups were allowed to join the credit union
  • Hamilton Mortgage Services, Inc
  • 716 S 1ST ST, Hamilton, MT, 59840
  • At Hamilton Mortgage Services, Inc We understand that each customer has specific needs. To meet those specific needs, we strive to provide a wide array of products, investment tools, mortgages and best of all quality service and individual attention. The loan process may seem daunting
  • Valley Bank of Ronan
  • 63659 US Hwy 93 S, Ronan, MT, 59864
  • The beginning of Valley Banks was truly a community effort & one of the things that makes small town life so special. Members of the community from up & down the valley came together to raise the capital necessary to get a local community bank off the ground. We are a State Chartered community bank located in the heart of the Mission Valley in MT.
  • Freedom Bank MT
  • 530 9th St. West, Columbia Falls, MT, 59912
  • Freedom Bank thrives on community involvement and is built on a foundation of trust. Don Bennett, President of Freedom Bank in Columbia Falls, is no stranger to building from the ground up. Freedom Bank, which Bennett founded in April 2005, began in his basement. For the first year, the bank operated out of an old 980-square-foot trailer.
  • Farmers State Bank
  • 103 Main St, Victor, MT, 59875
  • Farmers State Bank offers a full range of banking services to residents and business in Western Montana. Locally owned and founded in 1907, Farmers State Bank is built on a foundation of strong relationships with out communities and their members. Our goal to make your experience with us easy and enjoyable.
  • Eagle Bank - MT
  • 80 Heritage Lane, Polson, MT, 59860
  • Our mission is to provide superior financial services while fostering lifetime relationships based on our philosophy that people matter most. Eagle Bank is truly a “Community Bank” with the Confederated Salish and Kootenai Tribes owning the bank on behalf of their approximately 8, 000 members.
  • Bitterroot Community Federal Credit Union
  • 218 S Main Street, Darby, MT, 59829
  • Bitterroot Community Federal Credit Union was Chartered in 1968, was Darby’s first financial institution. Like the Darby Community, Bitterroot Community FCU is personal and friendly. Darby is a community that will always pull together to support a family in need & you will find this same characteristic in the staff & policies of this credit union.
  • DL Evans Bank
  • 375 N Overland Ave, Burley, ID, 83318
  • D.L. Evans Bank! We know there are many financial institutions you could bank with, so here is what makes us different: Our greatest asset is you. We owe our success to the relationships we have with our customers, not the size of their accounts or a sales quota. Our customers are our partners and friends, and their success is what drives us.
  • TRAILWEST BANK
  • 11300 US Highway 93 S, Lolo, MT, 59847
  • TrailWest Bank is an FDIC insured, locally-owned, independent bank serving western Montana. For over three decades, we have provided the people and businesses of the Ravalli, Missoula, Mineral, and Flathead Counties with a wide range of secure and dependable financial services—all with a commitment to personal service.
  • PARK SIDE CREDIT UNION
  • 1300 Baker Ave, Whitefish, MT, 59937
  • Park Side is a premier credit union in the state of Montana, with branch locations in Missoula and the Flathead Valley. Here you can find a variety of rewarding positions that make a difference in the lives of others and develop into satisfying career opportunities. Here you can find a variety of loans products..
  • Black Diamond Mortgage Corporation
  • 106 2nd St E, Whitefish, MT, 59937
  • Black Diamond Mortgage Corporation is an original Montana Company providing loans to buy homes and many home loan refinance opportunities. As the Experts in Real Estate Finance, we work with clients to help them buy a home, build a home, lower their monthly payments, shorten the life of their loan, consolidate debt, improve their home