USDA Vs. FHA your options comparison in Monfort-Heights, Hamilton County, OH

In 2025, USDA loan limit in Monfort-Heights, county of Hamilton, OH is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Monfort-Heights, county of Hamilton, OH

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

USDA and FHA loan options in Monfort-Heights, OH

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Ohio?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • ALL THINGS MORTGAGE
  • 805 S Black St, Alexandria, IN, 46001
  • We take full responsibility to find effective mortgage solutions and reasonably priced homes available to homebuyers and homeowners. How do we do this? We connect our clients with the best lenders you can find all over the country. We benefit from our vast network of connections, so we can provide borrowers access.
  • POWELL HOME MORTGAGE, LLC
  • 7730 Camelback Dr., Indianapolis, IN, 46250
  • Powell Home Mortgage we are a full-service mortgage company based in Indianapolis, IN. We specialize in FHA,Conventional, VA Mortgage in Indianapolis & surrounding cities.Whether you are buying a home or refinancing your current loan, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
  • Milestone Mortgage, Inc
  • 7168 Graham Road, Suite 175, Indianapolis, IN, 46250
  • Milestone Mortgage, we strive to "Go the Extra Mile for You!" As a client, you will be treated with respect and you will experience the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing your home , or cashing out some of your home equity.
  • Royal United Mortgage LLC
  • 7999 Knue Rd, Suite 300, Indianapolis, IN, 46250
  • Royal United Mortgage was founded with the belief that there had to be a better, friendlier, more honorable way to provide people loans.A way that brought compassion to the mortgage loan industry.A way dedicated to improving lives.Well, that belief lives on here today.Making a difference in the lives of the communities we serve is our top priority.
  • Beacon Community Credit Union
  • 7910 National Turnpike, Louisville, KY, 40214
  • Beacon Community Credit Union was chartered in 1947 to serve the employees of the Naval Ordnance Station in Louisville, Kentucky and was originally named Louisville Naval Ordnance Plant Employees Credit Union. With the closure of the Naval Ordnance Plant in 1995, we had to branch out to remain a thriving credit union.
  • Commonwealth Capital Mortgage, LLC
  • 6301 Strawberry Lane, Louisville, KY, 40214
  • Choosing a loan provider can be both confusing and time consuming. There are so many providers out there that the loan process can sometimes become overwhelming. Commonwealth Capital Mortgage is there help you every step of the way, to reduce stress and help you focus on what is most important - your normal life!
  • Energy Plus Credit Union
  • 1230 West Morris Street, Indianapolis, IN, 46221
  • Energy Plus Credit Union was formed through the merger of IPALCO and Citizens Gas Coke & Utility Credit Unions. Our purpose was to serve the employees of Indianapolis Power & Light, Citizens Energy Group & its subsidiaries and their family members. We have since expanded our membership to include the wonderful communities
  • Kingston National Bank
  • 2 N Main Street, Kingston, OH, 45644
  • 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.
  • Dynamic Federal Credit Union
  • 900 E. Wayne Street, Celina, OH, 45822
  • Dynamic Federal Credit Union (DFCU) was chartered in 1950 as Celina Reynoco Employees Federal Credit Union to serve the employees of Reynolds & Reynolds, Celina, Ohio. The credit union was located within the core group facility. In 1996 the Board of Directors began researching ways to extend the credit union's services to the community.
  • Citizens Federal Savings and Loan Association
  • 110 North Main Street, Bellefontaine, OH, 43311
  • Established in 1885, Citizens Federal has been providing friendly and personal service to individuals and businesses for over 136 years. We take pride in our community and service to our customers. We provide a wide range of deposit accounts and lending products. Citizens Federal Savings and Loan Association serves customers in the state of Ohio.