USDA Vs. FHA Pro and Con comparison in Moraine, Montgomery County, OH
In 2026, the USDA loan cap in Moraine within Montgomery county, OH, is $336,500. Meanwhile, the FHA limit for a single-family house is $472,030.
Use the Lendersa® USDA loan calculator to compare today's exemplary rates between USDA and FHA loans. This will help you determine the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side to help you decide which program in suits your financial needs best.
2026 Loan Limits and Down Payment Requirements in Moraine, County of Montgomery, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Moraine, OH
The aim of Lendersa® is to efficiently provide you with the best available USDA or FHA loans without hassle. Choose one of three initial paths to connect with matching lenders and discover USDA loan programs.
A USDA home loan is a government-backed loan from the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, available solely in rural areas. FHA loans typically require a minimum down payment of 3.5%, whereas USDA loans necessitate no down payment.
Farmers & Merchants Bank was founded in 1923 by a small group of Miamisburg business professionals whose philosophy was to establish a financial institution to provide basic banking services in a friendly and courteous manner. Its market was the residents and the small businesses who were often ignored by the area's larger banks.
River Valley Credit Union has been serving the Greater Miami Valley region for 70 years with state-of-the-art banking & loan services. As a community-chartered credit union, membership is open to anyone in Southwest Ohio who lives, works or attends school in one of these counties: Montgomery, Greene, Butler, Warren, Preble, Clark or Miami.
At KH Credit Union, we do the same by taking care of the financial needs of our members; the healthcare professionals of Kettering Health and their families. We are committed to providing the best possible service, efficiently and inexpensively. KH Credit Union is a not-for-profit financial institution.
Northern Mortgage Services (Dayton Group) is a local mortgage company that supports our community. We strive to provide the best client experience through knowledge, customer service, and product. Northern Mortgage Services: Bill Hudson has been in this business locally for 20 years.
Headquartered in Springboro, Ohio, Franklin Mortgage Solutions specializes in mortgage refinance and home loans throughout the states of Alabama, Arkansas, Florida, Kentucky, Ohio, South Carolina, & Tennessee. Franklin Mortgage Solutions is a local mortgage broker offering a wide variety of home loan programs.
Kentwood Mortgage, Inc our Goal is people's dreams come true and that makes us very proud. We're proud each time we lend someone the money they need, especially if they've been turned away by another lender. We're proud knowing that our Home Equity loans have allowed a child to go to college or a beloved home to be improved.
Universal 1 Credit Union was founded in 1937 in Dayton, Ohio. With 10 member centers in the greater Miami Valley, U1CU provides quality financial products and services to members all over the world. U1CU membership is open to all who live, work, worship, or go to school in one of the many communities that we serve.
The mission of MyUSA Credit Union is to assist member-owners in gaining personal financial success by providing and promoting the use of financial services that feature benefits and advantages over those available from other competitive sources. MyUSA Credit Union is an equal opportunity employer and service provider.
Atrium Credit Union is a not-for-profit financial coop offering financial services to their membership. Joining the credit union will allow you to access savings, loans, and much more. Atrium CU offers the following services to credit union members. Services available may vary at individual locations.
