USDA Vs. FHA your options comparison in Madison, Lake County, OH

For 2025, the USDA loan cap in Madison, located within Lake county, OH, is $336,500. In contrast, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to weigh today's top USDA against FHA rates. Determine what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in determining which program in best suits your financial situation.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Madison, Lake, 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 Madison, OH

The objective of Lendersa® is to efficiently connect you with the best USDA or FHA loan options available. Choose one of three starting points leading to matching lenders and USDA loan programs.

Outcomes from Lendersa's USDA loan requests and matches

Understanding USDA Loans in OH

A USDA home loan, supported by the Department of Agriculture—commonly known as a USDA rural development loan or mortgage—is designed for rural areas. Unlike FHA loans necessitating at least a 3.5% down payment, USDA loans are available with no down payment.

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



  • Beeline Loans Inc
  • 188 Valley Street, Suite 225, Providence, RI, 02909
  • It’s the shortest path to your new home. We’ve compressed a meandering journey into a Beeline. We’re inverting the power imbalance felt during the home loan process so you don’t feel small, judged or interrogated — only included and at ease. we’ve succeeded when it no longer feels daunting — but feels less important than your housewarming party.
  • Life Credit Union
  • 2004 Hayes Street, Suite 120, Nashville, TN, 37203
  • Life Credit Union is a financial cooperative that was founded in 1958 in the spirit of people helping people improve their lives through financial health and stability. The cooperative nature of credit unions goes hand-in-hand with the nature of our members. Anyone who works in or with the healthcare industry is welcome to join Life Credit Union!
  • Studio Bank
  • 124 12th Ave. South, Suite 400, Nashville, TN, 37203
  • A studio is a place where creators do their thing. And we want to be the bank for Nashville's creators. Whether you're designing a company or building a project, crafting a song or writing code, orchestrating social change or enhancing the quality of care, we want to collaborate with you.
  • QuoHome
  • 1033 Demonbreun St, Suite 300, Nashville, TN, 37203
  • Our mission is to help you achieve your home ownership goals. QuoHome is a tech-driven mortgage firm building the 1ST modern broker platform. Our technology empowers our brokers to spend more time getting more value for you and creating a seamless, rewarding experience.QuoHome is dedicated to providing a seamless mortgage experience built on trust.
  • The Tennessee Credit Union
  • 1400 8th Avenue South, Nashville, TN, 37203
  • The Tennessee Credit Union has been helping individuals achieve their financial goals with products and services designed to exceed expectations. We were founded by a small group of dedicated volunteers guided by their commitment to provide each member with the tools & knowledge necessary for personal financial growth and a sound financial future.
  • Christian Poling - Capstar Farmington Mortgage
  • 2002 Richard Jones Rd, Suite 1201, Nashville, TN, 37203
  • Christian Poling is a fifteen-year veteran of the mortgage industry in Nashville. A personable, welcoming approach with clients and their Realtors has earned him a stellar reputation among lenders. His efforts ensure knowledgeable clientele, exceptional loan terms, and a smooth process from the moment of introduction all the way to closing day.
  • Blue Sky Mortgage of TN LLC
  • 3010 Poston Ave, Nashville, TN, 37203
  • Blue Sky Mortgage of TN, LLC is here to walk you through the mortgage loan process, step-by-step. Our team is experienced and knowledgable of the local neighborhoods, schools and market conditions to help navigate you through the selling or buying process. We strive to provide excellent customer service.
  • Alpha Mortgage & Financial Services Inc
  • 142 Main Street, Suite 219, Nashua, NH, 03060
  • Alpha Mortgage & Financial Services, Inc. and her staff have 25 + years experience in Finance, Real Estate, and helping borrowers acquire homeownership. Efstathia's mission is to serve her customers with honesty, integrity and competence and Her goal is to provide Residential & Commercial Financing to her clients.
  • The Mortgage Pros
  • 2 Vernon St., Framingham, MA, 01701
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • OnTo Mortgage
  • 405 Cochituate Road, Suite 204, Framingham, MA, 01701
  • OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.
  • Dubuque Postal Employees Credit Union
  • 1155 Loras Boulevard, Dubuque, IA, 52001
  • Our Mission is to make available a source of credit at a fair and reasonable rate of interest, to encourage habits of careful management of money among our members and to provide our members the opportunity to manage their savings for their own benefit. Dubuque Postal Employees Credit Union Established in 1927.
  • Dubuque Bank and Trust Company
  • 1398 Central Ave, Dubuque, IA, 52001
  • At Dubuque Bank and Trust, decision making is kept to a local level and bankers are unwaveringly committed to deeply understanding every intricacy of every customer’s financial relationship. Because when that happens, a bank, even one with over $19 billion in assets and the backing of a company with national.