USDA Vs. FHA your options comparison in Hilliard, Franklin County, OH

In 2025, the USDA loan limit for Hilliard, county of Franklin, OH stands at $351,400, while the FHA limit for a single-family home is $488,750.

The Lendersa® USDA loan calculator can be a useful tool to compare the best rates currently available for USDA versus FHA loans and to assess the necessary income, credit, reserves, and documentation needed for approval. By using our advanced mortgage calculator, view a side-by-side comparison of USDA, FHA, Conforming, and VA loans to determine the most suitable program in Alabama based on your financial needs.

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2025 Loan Limits and Down Payment Information in Hilliard, County Franklin, OH

Loan Type Maximum Loan Initial Payment Required
USDA $351,400 0%
FHA $488,750 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Paths in Hilliard, OH

Lendersa® strives to swiftly connect you with the best USDA or FHA loan seamlessly. Choose from one of three starting strategies that will match you with lenders offering these USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in OH

The USDA home loan, secured by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or mortgage, and is solely available in rural areas. In contrast, FHA loans require at least a 3.5% down payment, the USDA loan requires none.

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



  • Ocean Blue Mortgages Inc
  • 14562 Vista Lane, Largo, FL, 33774
  • 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.
  • Merchant One Financial
  • 12800 Indian Rocks Rd #5C, Largo, FL, 33774
  • mer1loans.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity and We cater to new home purchases and refinance loans. Take advantage of the low rates in the market today while it lasts. FHA/VA loans, USDA loans, commercial, and conventional.
  • Kirkpatrick Bank
  • 15 East 15th Street, Edmond, OK, 73013
  • Kirkpatrick Bank is a business bank serving Oklahoma and Colorado with branches in Edmond, Oklahoma City, Colorado Springs, Denver, and Westcliffe. Kirkpatrick Bank also offers private banking, wealth services, home loans and an exclusively online product, Savings Square, which has attracted customers in all 50 states.
  • VALOR BANK
  • 1501 Renaissance Boulevard, Edmond, OK, 73013
  • Valor Bank is focused on serving the community through real estate and business lending, deposit offerings, and joyfully giving 10% of our profits to non-profits making a positive difference. Valor is faithfulness to our commitments, valuing people, and courage to follow God's will.
  • House and Home Mortgage LLC
  • 2601 Kelley Pointe Pkwy, Suite 203, Edmond, OK, 73013
  • We're committed to easing your concerns and addressing all of your mortgage needs. We provide personalized guidance and direction regarding a variety of financing options, empowering you with the knowledge and resources you need. Get in touch today to start making smarter choices regarding mortgages.
  • Executive Lending Group
  • 3628 E I 35 Frontage Rd, Edmond, OK, 73013
  • Executive Lending are a local Home Loan Lender with a store front location on I35 in Edmond. You can walk into our office anytime during business hours and anytime evenings / weekends with an appointment. You can call / text us on our cell or call the office with an energetic, kind & helpful staff.
  • Adfitech Inc
  • 3001 Technology Dr, Edmond, OK, 73013
  • Since 1983, Adfitech has provided outsource services to the mortgage industry. We have a proven reputation in quality control, due diligence, post closing fulfillment, and servicing oversight. We are diligent in keeping abreast of the ever changing Investor, Federal, State, and CFPB compliance laws and regulations.
  • Financial Concepts Mortgage
  • 2949 S Bryant Ave, Edmond, OK, 73013
  • Cindy Glenn makes the mortgage process SIMPLE by offering you the latest in financial tools that help you make sound financial choices. A SIMPLE 5-10 minute phone call starts the pre-qualification process! Cindy helps you make a good mortgage choice because she understands that buying a house is usually the largest purchase.