USDA and FHA Pro and Con 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?



  • The Carver Group Inc.
  • 424 32nd Street, Unit D, Newport Beach, CA, 92663
  • The Carver Group, Inc. is built on a foundation of integrity and trust. We are committed to providing you a high level of customer service as well as a competitive mortgage loan product that is structured for your individual need. We make the process of securing a mortgage straight forward and we guide you through the entire loan process.
  • Bayside Funding
  • 3416 Via Oporto, Suite 301, Newport Beach, CA, 92663
  • Blackhawk Capital Group is an independent, licensed, full-service Real Estate Brokerage with Residential and Commercial acquisition funding facilities. Since 2005, Blackhawk Capital Group has served as a lead underwriter of both Commercial and Residential Real Estate backed transactions.
  • Southern California Mortgage
  • 231 Lugonia Street, Newport Beach, CA, 92663
  • Southern California Mortgage, where we specialize in residential mortgages. At Southern California Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Emery Financial, Inc.
  • 625 Kings Road, Suite 850, Newport Beach, CA, 92663
  • 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.
  • NAL Financial Inc.
  • 414 31st Street, Suite B, Newport Beach, CA, 92663
  • NAL Financial Team is located in Newport Beach, California, and proudly serves homeowners and homebuyers throughout California and Colorado. We believe the key to our success has always rested on three main principles: honesty, timeliness, and competitive pricing. As mortgage brokers, we are able to offer our clients a variety of products.
  • Cali Home Lending: Dan Draitser
  • 11887 Valley View St, Garden Grove, CA, 92845
  • Dan Draitser Owner of Cali Home Lending, a mortgage banker and broker. A business model that enables funding of residential home loans with an in house warehouse line, and also the ability to broker out the more unconventional loans to over 65 different approved wholesale lenders.
  • CalTerra Financial
  • 12792 Valley View Street, Suite 202, Garden Grove, CA, 92845
  • CalTerra Partners builds, customizes and grows a client’s real estate portfolio to accumulate wealth based on their individual short and long term goals. Our strategy is consumer focused and supports all aspects of a client's real estate needs, we 1) BuySell 2) FixList 3) FixFlip 4) Finance 5) Invest and 6) Manage Real Estate.
  • HomeSmart Advisors
  • 12842 Valley View Street, Suite 205, Garden Grove, CA, 92845
  • The HomeSmart Advisors 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.
  • Roxford Holdings Inc
  • 6400 E Washington Blvd, Suite 105, Commerce, CA, 90040
  • We pride our self in making every transaction simple for you. We will take care of everything in the transaction from beginning to end so you can focus on what matters most to you. Roxford Holdings is here to offer guidance and support when navigating the ups and downs of home ownership.
  • CHA Mortgage Company Inc
  • 2301 Northwest Thurman Street, Suite C, Portland, OR, 97210
  • CHA Mortgage Company is located in the Baxter Building on the corner of NW 23rd and Thurman. Parking is available for Baxter Building guests in spots marked ""Executive Suite Customers."" CHA Mortgage is a local mortgage broker with a mission to help Nurses, Teachers, Firefighters, Police Officers and Veterans with their home loans.
  • Khan Home Loan
  • 18831 Ibex Ave, Artesia, CA, 90701
  • Khan Home Loan's aim is to provide each of our customers with the best possible rates with an exceptional service. My mission is to serve my customers with honesty, integrity and competence. My goal is to provide home loans to all clients while providing them with the lowest interest rates and closing costs possible.
  • MGB Financial Services Inc.
  • 18300 Gridley Road, Suite I, Artesia, CA, 90701
  • Our mission is to provide the lending process effortless—even fun—for them, by being focused on them all the way. We concentrate on providing a creative, secure, trusting environment for our clients. MGB Financial Services, Inc. is a full service mortgage brokerage firm and we offer a variety of financing options.