USDA Vs. FHA Pro and Con comparison in Germantown, Montgomery County, OH

In 2025, within Germantown, located in Montgomery county of OH, the USDA loan limit is $336,500. Meanwhile, for a single-family home, the FHA loan limit is set at $472,030.

Utilize the Lendersa® USDA loan calculator to assess today's top USDA vs FHA rates, and identify the necessary income, credit status, reserves, and documents needed to qualify. Our advanced mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA options, helping you select the ideal program in that best matches your financial needs.

Evaluate loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Germantown, Montgomery County, OH

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

Options for USDA and FHA Loans in Germantown, OH

The purpose of Lendersa® is to assist you in swiftly obtaining the best possible USDA or FHA loan without hassle. Choose one of three pathways that link you to compatible lenders and USDA loan programs.

Lendersa USDA loan inquiries and matching outcomes

Defining USDA Loans in OH

The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan, is exclusively available in rural locales. Unlike FHA loans, which demand a 3.5% minimum down payment, USDA home loans require none, presenting a valuable option for those who qualify.

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



  • Gold Crown Mortgage Corporation
  • 1081 Camino Del Rio South, Suite 124, San Diego, CA, 92108
  • Gold Crown Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • McTygue Group, Inc.
  • 1761 Hotel Circle South, Suite 230, San Diego, CA, 92108
  • As a correspondent lender, you work directly with us not a big bank. Our friendly and professional staff guid you step by step through the loan process. We not only offer the same mortage products as the big banks, we offer numerous other products that fit our clients needs.We are committed to working with you no matter what your situation may be.
  • City Line Mortgage & Realty
  • 7851 Mission Center Court, Suite 112, San Diego, CA, 92108
  • City Line Mortgage, a mortgage banking corporation, was founded in 1991 by the Riley family. The vast experience of our company dates back to 1967 and includes appraisals, savings and loan association lending, construction lending, FHA and VA lending, escrow services, property management,
  • Finance Any1
  • 411 Camino Del Rio South, Suite 300, San Diego, CA, 92108
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Courtesy Mortgage Company
  • 2615 Camino Del Rio South, Suite 200, San Diego, CA, 92108
  • The Courtesy Mortgage Company team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Metro Express Realty & Mortgage
  • 4025 Camino Del Rio S, Suite 300, San Diego, CA, 92108
  • Metro Express Realty & Mortgage Receive assistance with new home purchases, refinances, VA loans, and FHA loans from the professionals at Metro Express Mortgage, a mortgage broking company in San Diego, California. We carefully review each client's profile to find the perfect loan program and lender.
  • Homeplus Corporation
  • 2878 Camino Del Rio South, Suite 402, San Diego, CA, 92108
  • HomePlus was built in 1999 on a foundation of personal relationships with our clients. Even now, as we approach a milestone of $2B in annual loan volume, we still think of this, not as a 10-figure achievement on our part, but with gratitude that we will be helping more than 4, 000 clients a year
  • Senior American Funding, Inc.
  • 2650 Camino Del Rio N, Suite 350, San Diego, CA, 92108
  • Located in Mission Valley, we have been serving San Diego County since 1990. We originate our Reverse Mortgages through some of the top Reverse Mortgage lenders in the industry that offer quality products and pricing. Our in-house staff of experienced loan processors specializes in closing your loan fast.
  • Crestline Funding Corporation
  • 2810 Camino del Rio South, San Diego, CA, 92108
  • "Everybody wants to do business with a friend. At Crestline Funding, we’re “Your friend in the mortgage business.” Here are just some of the reasons why Crestline Funding is the smart choice for consumers looking for the right home loan. Customer Service We value you. Customer service is our #1 priority."
  • Cabrillo Mortgage
  • 3110 Camino Del Rio South, Suite 311, San Diego, CA, 92108
  • cabrillomortgage.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. There are many home financing options and we'll help you make the Right Choice. We're here with you every step of the way. Cabrillo Mortgage And Realty Services received a Paycheck Protection Loan
  • Cornerstone First Mortgage
  • 2655 Camino Del Rio North, Suite 450, San Diego, CA, 92108
  • Cornerstone First Mortgage is a full-service mortgage lender headquartered in San Diego, California. Functioning as both the mortgage lender and broker, all aspects of the loan process (underwriting, funding and processing) are offered in-house. At Cornerstone First Mortgage, we are dedicated to delivering high-quality customer service
  • California Housing and Lending, Inc
  • 3456 Camino Del Rio N. Suite 206, San Diego, CA, 92108
  • California Housing and Lending we are passionate about ensuring that our clientele experience the utmost exceptional service when dealing with our outstanding personnel. We take strong pride in educating our consumers from start to finish being fully present in every step of the transaction through our full package of real estate.