USDA Vs. FHA Pro and Con comparison in Martins-Ferry, Belmont County, OH

For 2025, the USDA loan limit in Martins-Ferry, within Belmont county, OH, is $285,000. Meanwhile, the FHA limit applicable to a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to explore and compare the best rates for USDA and FHA loans today. It determines the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, assisting you in picking the most suitable program for your financial scenario in .

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2025 Loan Limits and Down Payment Details in Martins-Ferry, County of Belmont, OH

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Choices in Martins-Ferry, OH

The mission of Lendersa® is to promptly deliver the optimal USDA or FHA loan without hassle. Choose one of three starting points that connect you with matching lenders and available USDA loan options.

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Understanding USDA Loans in OH

A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. In contrast to FHA loans that usually require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



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  • 1401 S Lafayette Boulevard, Suite 100, South Bend, IN, 46613
  • South Bend Transit Federal Credit Union is a member owned non-profit financial institution. We provide services to persons working/retirees from Transpo and their immediate family members. Putting our members first for over 75 years and ensuring the growth of our credit union to continue to serve families present and future.
  • CS Credit Union
  • 6519 CommScope Road, Catawba, NC, 28609
  • CS Credit Union was initially chartered in 1986 as MA/-COM Employees Credit Union, a spin-off from two previous credit unions, Siecor Credit Union & Superior Cable Credit Union. MA/-COM was established as the credit union for employees of family members of the forerunner of the present-day Select Employee Group, CommScope, Inc. of North Carolina.
  • South Bend Firefighters Credit Union
  • 1122 South Main Street, South Bend, IN, 46601
  • Our credit union Motto is “People Helping People.” We’re all working together to help each other. As member-owners, we all have a stake in the credit union’s success. The better our credit union does, the better you do. That’s the value of credit union membership. South Bend Firefighters Federal Credit Union was organized on October 1959.
  • Policemen's Federal Credit Union
  • 1130 South Main Street, South Bend, IN, 46601
  • We proudly serve the law enforcement community of St. Joseph County, IN, membership with PFCU is available to others as well. By supporting local law enforcement with a minimal, one time membership fee to the Fraternal Order of Police Associates (FOPA), you too can become a member of Policemen's Federal Credit Union.
  • Centennial Mortgage, Inc.
  • 218 W. Washington Street, Suite 900, South Bend, IN, 46601
  • Centennial Mortgage is a privately held results-driven lender providing proactive, end-to-end solutions exclusively for multi-family and healthcare owners/developers seeking HUD and USDA financing. Our approach is delivered with a high-touch level of customer service found only with a specialized lender.
  • Garden State Home Loans, Inc
  • 2091 Springdale Road, Suite 16, Cherry Hill, NJ, 08003
  • Garden State Home Loans has built a legacy of providing the American Dream of homeownership. Garden State Home Loans was founded in 2011 right in the heart of Cherry Hill, NJ. We’ve expanded our footprint over the years and are currently licensed in five states and counting. We create an experience that is incomparable.
  • Teachers Credit Union
  • PO Box 1395, South Bend, IN, 46624
  • Although we were established as Teachers Credit Union, we’re not just for teachers anymore. Since our founding in 1931, we’ve grown to nearly 60 locations and more than 300, 000 members, making it the largest credit union in Indiana. Also serving southwest Michigan, TCU offers a range of traditional banking services, plus investments and insurance.
  • Citizens Bank and Trust Company of Grainger County
  • 8335 Rutledge Pike, Rutledge, TN, 37861
  • We began to serve the citizens of Grainger County as a state-chartered bank on December 19, 1919. At that time, we had 29 depositors with $12, 291.23 in deposits. Since then, we have grown to 5 locations within the County, servicing over 13, 000 customers with total deposits exceeding $200 million.
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