USDA Loan Vs. FHA loan for Lancaster, OH [Fairfield County ]

In 2026, the USDA loan limit for Lancaster in Fairfield county, OH, is $351,400, while the FHA limit for a single-family home is $488,750.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates. This will help determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA side by side, guiding you to the best program in for your financial needs.

USDA and FHA Loan Options in Lancaster, OH

The goal of Lendersa® is to efficiently link you with the best USDA or FHA loans, hassle-free. Choose among three starting points to connect with matching lenders and programs.

What is a USDA Loan in OH?

A USDA home loan is guaranteed by the Department of Agriculture. Also called a USDA rural development loan or mortgage, it is available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans require none.

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Lancaster Lenders
(740) 653-3863 Lender's profile and map Fairfield Federal Savings and Loan Association of Lancaster 111 East Main Street, Lancaster, OH, 43130 Lends in Ohio Fairfield Federal Savings & Loan Association is your Fairfield County community bank specializing in Home Mortgage Loans. We've been serving the Lancaster community since 1895. Fairfield Federal is a Member of the FDIC and is an Equal Housing Lender. Stop in and see us today! We are banking that revolves around you
(614) 836-0100 Lender's profile and map First Service Federal Credit Union 100 Main St, Groveport, OH, 43125 Lends in Ohio "First Service has mortgage loans with a variety of rates and terms. We can even pre-approve you for a loan. Your shopping experience will be more enjoyable knowing that the home you select will fit your budget New Purchase Low Fixed Rates Variable Rates Conventional Mortgages FHA • VA First Time Buyers Refinance Cash Out"
(740) 474-5999 Lender's profile and map Direction Mortgage 649 Lancaster Pike, Suite 100, Circleville, OH, 43113 Lends in Ohio Direction Mortgage has helped thousands of people navigate their way through the home buying maze and achieve their dream of home ownership...and we’ve done so with pride since 1992. We can help you obtain an FHA (Federal Housing Administration), USDA Rural Development, VA or Conventional loan. Direction Mortgage can help you find the loan
(740) 743-1349 Lender's profile and map Commodore Bank 100 East Main Street, Somerset, OH, 43783 Lends in Ohio Commodore Bank is a customer-driven banking institution that targets business owners, professionals, and residents within its service area. The bank emphasizes customer service by the ability to make decisions locally. The Bank’s structure positions customers directly with front-line personnel.
(740) 642-2191 Lender's profile and map Kingston National Bank 2 N Main Street, Kingston, OH, 45644 Lends in Ohio Kingston National Bank defines itself as “A Real Community Bank, Really Serving Communities”, a motto that was established when Phil Dunlap and his associates founded the Bank back in 1909. The tradition of providing customers with excellent banking products and superior customer service still prevails.
(740) 927-4956 Lender's profile and map The Pataskala Banking Company 354 S. Main St., Pataskala, OH, 43062 Lends in Ohio The Pataskala Banking Company was founded in 1888 by William Henry Mead II and J. S. Youmans as a community bank serving southwest Licking County and it remains one of the few true community banks in central Ohio. Our first office opened in downtown Pataskala in 1888 and we have maintained a presence in downtown Pataskala
6149487168 Lender's profile and map Capital City Funding 1581 N High St, Columbus, OH, 43207 Lends in Ohio At Capital City Funding, we transform real estate ambitions into reality by facilitating swift, adaptable financing solutions tailored to your needs. Skip the traditional banks and partner with us to leverage our extensive network of private and institutional lenders. Whether you're acquiring your first property or expanding a lucrative portfolio,
(866) 375-6267 Lender's profile and map PhysicianLoans 2325 Bryden Rd, Bexley, OH, 43209 Lends in Ohio PhysicianLoans was founded in 1993. We offer a unique product The Doctor Loan, available only to medical doctors, dentists and veterinarians. Although we are a “brick & mortar” company based in Columbus, Ohio, PhysicianLoans is licensed in 18 states. As such, each of our Loan Officers holds all the appropriate licenses to conduct business.
(740) 522-5277 Lender's profile and map Harvest Federal Credit Union 34 Licking View Drive, Heath, OH, 43056 Lends in Ohio Harvest Federal Credit Union was established in 1970. Our roots are in serving the workers of Licking County. We were founded by local employees of Rockwell International (now known as Arvin-Meritor). Our first office was in the United Auto Workers union hall in an area not more than 5 by 8 square feet (pictured below).