USDA VS FHA in Ottawa-Hills, Lucas County, OH

In 2025, the USDA loan limit in Ottawa-Hills, in the county of Lucas, OH, stands at $285,000. In comparison, the limit for an FHA loan on a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to analyze today's top USDA versus FHA rates. Evaluate the necessary income, credit, reserves, and documents needed to qualify. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program in best fits your financial requirements.

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2025 Loan Limits and Down Payment Requirements in Ottawa-Hills, County of Lucas, OH

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

Exploring USDA and FHA Loan Choices in Ottawa-Hills, OH

Lendersa® strives to secure the best USDA or FHA loan efficiently and hassle-free. Begin with one of three pathways to match you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in OH

A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, also referred to as USDA rural development loans. Available in rural areas only, USDA loans differ from FHA loans by requiring no down payment, whereas FHA options demand at least 3.5% down payment.

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



  • DGH Home Mortgage
  • 1411 Woodcrest Avenue, Brea, CA, 92821
  • We offer a variety of Home Mortgages, Conventional, High Balance Conventional, Jumbo, FHA,VA, Reverse Mortgages, Equity lines for Home Purchases and Refinances, for first time homebuyers to the experienced home buyers and investors. Currently also closing HARP 2.0 loans with many of our lending instutitions.
  • S & S Home Loans
  • 400 West Lambert Road, Suite F, Brea, CA, 92821
  • S & S Home Loans has been providing our client's real estate financing expertise since 1983. We value each relationship and strive to educate and inform our clients to make the loan process simple and transparent. Whether buying or refinancing or gal is to provide extraordinary service and we work hard to earn our clients trust and confidence.
  • Charis Loans, Inc.
  • 135 South State College Boulevard, Suite 200, Brea, CA, 92821
  • Charis is a word that is used for both giving and receiving. All of us, at Charis Loans, are both aware and thankful that we’ve been given grace, favor, and kindness throughout our lives. Our mission is to put those qualities into our work and give all of our clients an experience equal to our name. We appreciate the opportunity to serve.
  • AmWest Funding Corp
  • 6 Pointe Drive, Suite 300, Brea, CA, 92821
  • AmWest Funding Corp. was originally founded in 1995. The organization is driven by a highly successful management team possessing an average of two decades of experience among its core leadership. Focused on providing home loans responsibly throughout the communities we serve exceptional customer experience for you and your client.
  • American Financial Network, Inc.
  • 10 Pointe Drive, Brea, CA, 92821
  • As one of the fastest growing mortgage bankers in the United States, we opened our doors in 2001 and have since expanded with many community based branches across the nation. Headquartered in Brea, CA, AFN built its reputation as an outstanding mortgage banking firm by serving the lending needs of real estate professionals
  • brentwood pacific financial
  • 1421 n wanda rd #120, Orange, CA, 92867
  • I invest my time focusing on your financing priorities, explaining your options and delivering the world class experience you expect. My goal is to earn your trust, respect and heartfelt referrals. My vision is to build strong, lifelong relationships, starting today with you. Scott Fredrickson Brentwood Pacific Financial
  • Premier Lending Group
  • 1740 W Katella Ave, Suite C, Orange, CA, 92867
  • Premier Lending Group has a successful 20 year proven track record of closing Conventional and Government Loans, with a specialty in Reverse Mortgage Loan origination. Our top priority is providing unparalleled Customer Service and Satisfaction to our clients. We take pride in always being available to clients, and place the customers’ needs first.
  • Pegasus Financial
  • 950 E Katella Ave, Suite 3, Orange, CA, 92867
  • Pegasus Financial has arranged thousands of loans all over California and the Nation. We have a large variety of lending products and the expertise to help you select the right loan for you. Whether you have great credit, or have had problems in the past, we can help you where others can't.
  • Sun Mortgage
  • 1403 North Batavia Street, Suite 202, Orange, CA, 92867
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Certified Capital Home Loans, Inc.
  • 2906 E Lake Hill Dr, Orange, CA, 92867
  • Certified Capital Home Loans exists to accomplish your mortgage goals, & we have the history, knowledge, lending partnerships & customer focus to make those goals a reality. Home Purchases are completed on time & with complete transparency of the process, & we are strategically partnered to provide loans that often don't require a down payment.
  • NeighborWorks Orange County
  • 128 E. Katella Ave, Suite 200, Orange, CA, 92867
  • NeighborWorks Orange County is a California 501(c)(3) non-profit organization that exists to serve the Orange County community, where the high cost of living presents significant challenges for low-to-moderate income families and individuals. Our mission is to strengthen communities and enhance the quality of life for working families by expanding.
  • Rose Financial
  • 2811 East Katella Avenue, Suite 100, Orange, CA, 92867
  • "Rose Financial Family-owned and operated over five decades, Rose Financial is a bonafide lender/creditor with in-house decision making and underwriting. The company makes and services residential and commercial real estate loans for a broad range of consumers in California. Located in the City of Orange, Rose Financial began in 1948"