USDA and FHA Pro and Con in Pataskala, Licking County, OH
In the year 2026, if you are in Pataskala, in the county of Licking, OH, you'll find that the USDA loan ceiling is $351,400, while the FHA cap for a single-family home is set at $488,750.
Our Lendersa® USDA loan calculator is designed for you to compare the top USDA and FHA rates today. It allows you to evaluate the income, credit score, reserves, and documentation requirements for qualification. Using our sophisticated mortgage calculator, you can place USDA, FHA, Conforming, and VA loans side by side. This comprehensive comparison is aimed at assisting you in deciding which program suits your financial needs best in Alabama.
Loan thresholds and down payment needs for 2026 in Pataskala, county of Licking, OH
Loan Type
Loan Cap
Down Payment
USDA
$351,400
0%
FHA
$488,750
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA loans in Pataskala, OH
The mission of Lendersa® is to connect you with optimal USDA and FHA loans swiftly and without any fuss. Start with one of our three main pathways to match with suitable lenders and USDA loan programs.
A USDA loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government and exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% down payment minimum, USDA loans require no down payment at all.
The Pataskala Banking Company was founded in 1888 by William Henry Mead II and J. S. Youmans as a community bank serving southwest Licking County and it remains one of the few true community banks in central Ohio.
Our first office opened in downtown Pataskala in 1888 and we have maintained a presence in downtown Pataskala
As a Professional Mortgage Advisor, We will help you achieve the results you desire. Together, you and we will define your needs and formulate a plan for achieving your financial objectives. We pledge that we will work hard to find you the perfect loan to meet your financial goals, and we won’t quit until the job is to your satisfaction.
KEMBA Financial Credit Union was founded in 1933 as the credit union for the employees of The Kroger Company, and stands for Kroger Employee Mutual Benefits Association. The original branch was inside the Kroger Bakery downtown, and in 1971 was relocated to East Broad Street in Whitehall.
Pathways Financial Credit Union is a not-for-profit financial cooperative owned by our members. While our many financial products and services are similar to what you find at banks and other for-profit institutions, there are fundamental differences at our branches of Pathways Financial Credit Union.
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.
PhysicianLoans was founded in 1993. We offer a unique product The Doctor Loan, available only to medical doctors, dentists and veterinarians. Although we are a “brick & mortar” company based in Columbus, Ohio, PhysicianLoans is licensed in 18 states. As such, each of our Loan Officers holds all the appropriate licenses to conduct business.
HMS is a full service mortgage company operating in Ohio and Florida. At HMS, our approach with every customer is to provide white glove service. Our customers are given the highest level of care, consideration, and attention to detail; while receiving the best interest rate and best loan approval for each particular situation.
We provide personal, hands-on service from start to finish. With a variety of mortgage products, our experienced and knowledgeable team is able to offer the perfect solution for you. We are dedicated to making the lives of our customers better by providing a hands-on, personalized mortgage lending process.
Omniscient Real Estate Finance Corporation is a true mortgage broker devoted to serving the needs of the community. Omniscient works with a variety of lenders to ensure we find the best loan options for your situation. Our program strives to strengthen communities by empowering individuals to become effective homeowners
