USDA Vs. FHA your options comparison in Montrose-Ghent, Summit County, OH

As of 2025, the USDA loan limit for a single-family home in Montrose-Ghent, within Summit county, OH, is $285,000, whereas the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's top USDA vs FHA rates. By assessing required income, credit, reserves, and necessary documents, you will know what is needed to qualify. Our advanced mortgage calculator enables side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the right option for your financial situation in .

Discover loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Montrose-Ghent, Summit, OH

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Montrose-Ghent, OH

Lendersa® aims to swiftly provide you with the best USDA or FHA loan possible, with minimal hassle. Choose from three initial options that align you with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Exactly is a USDA Loan in OH?

A USDA home loan, officially termed as a USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture. Available exclusively for rural areas, it does not require a down payment, unlike FHA loans, which require at least a 3.5% down payment.

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



  • Pikes Peak Regional Dev Corporation
  • 322 S. Cascade Avenue, Colorado Springs, CO, 80903
  • Pikes Peak Regional Development Corporation (PPRDC) was formed in January, 1976, under the name of the Old Colorado City Development Company. The organization originated through the cooperative efforts of the City of Colorado Springs and business persons from the “Westside” area of the city.
  • The Ivan Acosta Team
  • 501 S Tejon Street, Suite 250, Colorado Springs, CO, 80903
  • My name is Ivan Acosta and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or ReFinancing your current Colorado Springs Home Loan. I am a Colorado Springs Mortgage consultant, serving all of Colorado Springs, and the surrounding communities.
  • CB&T Mortgage
  • 1 South Nevada Avenue, Suite 105, Colorado Springs, CO, 80903
  • Established in 1995, CB&T Mortgage has grown to become one of the largest and most trusted Colorado-based mortgage bankers. Distinguished by our local, personal approach, every loan that crosses our desk is underwritten and closed here in Colorado. Because there’s no outsourcing of files to someone.
  • Handcrafted Home Mortgage LLC
  • 422 East Vermijo Avenue, Suite 414, Colorado Springs, CO, 80903
  • Handcrafted Home Mortgage, a Colorado Springs mortgage lender specializing in purchase home loans and refinance loans. As artists in the craft of lending, our Mortgage Craftsmen are dedicated to making your home loan process a different experience than what you may have experienced in the past. With a focus on helping our families explore.
  • Mortgage United LLC
  • 2 S Wahsatch Ave, Suite 100, Colorado Springs, CO, 80903
  • UMortgage is a local mortgage broker serving home buyers and clients in Colorado. With access to innovative technology and a centralized support team, Herman Combs ensures a faster, easier, and cheaper loan process. broker serving home buyers and clients in Colorado. With access to innovative technology
  • Peak Seven Mortgage
  • 118 North Tejon Street, Suite 401, Colorado Springs, CO, 80903
  • Serving Colorado Springs, Denver, and the Front Range, we offer competitively priced purchase and refinance programs using conventional loans, government-backed (VA/FHA/USDA), and non QM loan programs. We place a strong emphasis on service to our local veteran community by being experts in the VA Loan programs
  • Lender Works LLP
  • 711 North Cascade Avenue, Suite 100, Colorado Springs, CO, 80903
  • Hans Fetterhoff prides himself on taking an honest and educated approach to each and every unique situation that he encounters with his clients. Hans has the knowledge, experience and professionalism that real estate buyers demand in this difficult market. If you're looking for an experienced, efficient and professional mortgage lender.
  • Elevation Mortgage LLC
  • 7 E Bijou St, Suite 217, Colorado Springs, CO, 80903
  • "ELEVATION MORTGAGE LLC WAS CREATED WITH THE BORROWER IN MIND. Our goal was to create a company culture that had the best interest of the client. Every client deserves exceptional service and commitment to ensure they are guided through the home loan process so they can choose the best mortgage product for their family’s needs."
  • 719 Lending
  • 104 S Cascade Ave, Suite 201, Colorado Springs, CO, 80903
  • 719 Lending Inc., is a full-service Mortgage Broker offering seamless solutions for all of your mortgage needs. With our head office located in Colorado Springs, Colorado, we have plenty of experience in real estate, financial services and mortgage brokerage. We are committed to providing our customers with the knowledge
  • Investors Choice Capital Group
  • 357 McCaslin Blvd, Suite 200A, Louisville, CO, 80027
  • Established in 2008, Investors Choice Funding, Inc (ICF) is a Direct Private Lending company, providing fast, reliable financing solutions to real estate investors for non-owner occupied, Single Family, Townhome, Condo, and Multi-Family investment properties. ICF’s management team has been involved in the real estate investment