USDA Vs. FHA your options comparison in Ontario, Richland County, OH
In the year 2026, the USDA loan limit in Ontario, county of Richland, OH, is $336,500, whereas the FHA limit for a single-family residence is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. This tool helps identify the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the program that best suits your financial situation in .
2026 Loan Caps and Down Payment Requirements in Ontario, County of Richland, OH
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Ontario, OH
Lendersa® aims to quickly secure the best possible USDA or FHA loans without hassle. You can begin with one of three starting points to find matching lenders and USDA loan programs that suit your needs.
A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require no down payment.
Mechanics Bank is a full-service community bank in Richland County, Ohio. We’ve remained independently managed for over 136 years, and we’re proud to be the only bank in the county that can make that claim. Because what began in Mansfield in 1886 remains here—headquarters and all.
Tappan Community Credit Union, proud to be the oldest credit union in Mansfield. Over 84 years ago Tappan Employees Credit Union met the needs of a growing industrial workforce and we are pleased to continue those same services today. Membership is open to anyone working, attending school, worshiping or living in Richland County.
13 Park Avenue West, Suite 307, Mansfield, OH, 44902
Lends in Ohio
McGregor Mortgage, LLC is committed to providing customer-minded mortgaging and was founded on the principles of bringing more mortgage options and products; always being available; establishing transparency with customers, realtors, and other business partners; delivering in an efficient manner
28 Park Avenue West, Suite 601, Mansfield, OH, 44902
Lends in Ohio
THA Mortgage provides a variety of loan options and knowledge to help each customer understand and select the best loan program for their needs. We are here to help clients in all phases of life meet their financial and real estate goals.
Integrity, innovation, partnership and collaboration are the core values that drive THA Mortgage
We strive to be a full-service independent community bank, and remain committed to the Galion area residents. Every effort has been made to improve the quality of service for our customers, making use of the latest in banking technology available today. Galion Building and Loan Bank is proud of our heritage in Galion since 1888.
The Morrow County Federal Credit Union was opened over 40 years ago and is community-owned. Any Person living, working, or worshipping in the credit union’s geographic area can become a member and access banking services. Membership is also open to immediate family of current members.
In 1909, F.L. Berry and John Wiley founded The Farmers Bank. Six years later, The Farmers State Bank of West Salem was organized and incorporated. Original directors included F.L. Berry, W.H. Horst, N.W. Zimmerman, J.H. Wiley, J.A. Hines, W.S. Zehner, O.B. Dreibelbis, J.L. Van Evera and S.A. Read. The Farmers State Bank continued to expand
As a local, community bank, we are driven by a strong focus on meeting the financial needs of businesses and individuals in a way only a community bank can deliver. And we are proud to serve Morrow, Knox, Richland, Franklin, and Holmes Counties with full service branches in Bucyrus, Cardington, Dublin, Fredericktown, Worthington,
Since our founding in 1888, employees have been the main reason for First Federal Community Bank’s success. We are an Equal Opportunity Employer and we offer competitive salaries, excellent benefits and the opportunity for career advancement. If you are customer-oriented, enjoy working with people, take pride in your work
