In 2026, the USDA loan limit for Genoa in the county of Ottawa, OH, is $336,500, while the FHA limit for a single-family home is set at $472,030.
Employ the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates, determining the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in best matches your financial situation.
2026 Loan Limits and Downpayment Needs in Genoa, Ottawa, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Genoa, OH
Lendersa® aims to connect you with the most advantageous USDA or FHA loan quickly and without hassle. Choose from three starting points to connect with matching lenders and available USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is offered exclusively in rural areas. Contrary to FHA loans that require a minimum 3.5% down payment, USDA loans require none.
GenoaBank, founded in 1902, is a locally-owned, independent community bank that provides a broad range of banking services to both business and private customers in counties of Lucas, Ottawa, Sandusky, Wood, Fulton, Erie and the Michigan County of Monroe. Since the time GenoaBank first opened its doors, it has continued to expand
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TMFCU serving the City of Toledo & Lucas County since 1954. We now serve anyone who lives, works, attends church, school or volunteers in Lucas County!
While this is an open forum, we intend to maintain a family-friendly atmosphere, so please use appropriate language at all times when posting and/or commenting on our wall.
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