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

In 2026, the USDA loan limit in Kettering, located in the county of Montgomery, OH, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to contrast the best rates between USDA and FHA today. Discover the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs to guide you in selecting the best option in for your personal financial circumstances.

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2026 loan limits and down payment requirements in Kettering, county of Montgomery, OH

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

Exploring USDA and FHA loan choices in Kettering, OH

The ambition of Lendersa® is to secure the most favorable USDA or FHA loan quickly and easily. Choose from three starting methods that link you to lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in OH

A USDA home loan, endorsed by the U.S. Department of Agriculture, is known as a USDA rural development loan or mortgage. It's available solely in rural areas. Unlike a 3.5% down payment needed for FHA loans, a USDA mortgage requires no down payment.

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



  • SUPERIOR HOME LOANS LLC
  • 301 West A Street, Belleville, IL, 62220
  • 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

  • FCB Banks
  • 2610 N Illinois St, Swansea, IL, 62226
  • FCB Banks are committed to being your first choice for financial services.We are locally owned and managed with experienced staff and officers and FCB Banks is a bank with operations in one state. FCB Banks offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA, construction and bridge loan mortgages

  • BCBST Employee Credit Union
  • 1 Cameron Hill Circle, Chattanooga, TN, 37402
  • The credit union began operating on January 1, 1972, with 452 members & $4, 766 in shares. After over 5 decades of service, the credit union’s membership has increased to over 2, 800, with total assets exceeding $10 million. You can do business with the BCBST Employee CU with confidence because of its history of stability, professionalism & growth.

  • Comtrust Federal Credit Union
  • 1020 Riverfront Parkway, Chattanooga, TN, 37402
  • Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.

  • RockPoint Bank, National Association
  • 401 Chestnut Street, Suite 101, Chattanooga, TN, 37402
  • When it comes to managing your money and growing your company, a banking relationship based on personalized service is becoming harder to find- that’s why we created RockPoint Bank. We're a locally-owned business bank headquartered in Chattanooga, Tenn., that embraces the spirit of our community.

  • Barot Capital, LLC Commercial Real Estate Loan Consultants
  • 736 Market Street, Suite 318, Chattanooga, TN, 37402
  • BAROT Capital, LLC originates commercial real estate loans through an online standardized product driven platform. BAROT Capital is a full-service commercial real estate finance company providing all facets of financing including origination, placement, analysis and advisement. BAROT Capital extensive knowledge, experience.

  • Trust Federal Credit Union
  • 555 Walnut Street, Suite 100, Chattanooga, TN, 37402
  • Trust Federal Credit Union is a federally chartered credit union with primary operations in Chattanooga, Tennessee. We service employees of Unum Corporation, Cigna Corporation and many smaller businesses. In addition, anyone who lives, works, worships or attends school in downtown Chattanooga may join.

  • BrightBridge Capital
  • 506 Broad St, Chattanooga, TN, 37402
  • Since 1981, we have stimulated economic development by providing innovative solutions that meet startup and existing businesses capital needs. Our capital solutions enable businesses to bring jobs, commercial goods and services, and community assets to communities that need them.

  • Berkeley County Public Schools Federal Credit Union
  • 401 S Queen Street, Suite 1A, Martinsburg, WV, 25401
  • Berkeley County Public Schools FCU is a member-owned, non-profit financial cooperative. Our main goal is to provide for the financial well being of our members. Since our beginning in 1973, the credit union has offered services from basic shares (savings) accounts and loans to a wide variety of products and services.

  • Movement Bank
  • 201 N. Union Street, Danville, VA, 24541
  • At Movement Bank, we’re leading a Movement of Change to make banking enjoyable and empowering by introducing healthy, faithful, and innovative tools to help you maintain financial health. Our bank was founded by African-Americans in 1919 to serve people who had been turned away by other institutions.