As of 2025, the USDA loan ceiling in Oakwood, within Cuyahoga County, OH, stands at $0. Meanwhile, the FHA cap is $472,030 for single-family residences.
Utilize the Lendersa® USDA loan calculator to evaluate today’s most competitive USDA versus FHA rates and ascertain the necessary income, credit score, assets, and documentation for qualification. Our comprehensive mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options to aid in selecting the best program for your unique financial profile in
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| Type of Loan | Limit on Loan | Initial Payment | |
| USDA | $0 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure you the most favorable USDA or FHA loan swiftly and effortlessly. Choose from three starting paths to get matched with lenders and appropriate USDA loan packages.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed financial product offered by the United States Department of Agriculture. It's available solely in rural areas. Unlike FHA loans which require an upfront payment of at least 3.5%, the USDA loan mandates no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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