USDA VS FHA in Reading, Hamilton County, OH

In the year 2025, USDA loan limit in Reading, Hamilton County, OH is $336,500, whereas the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, determining required income, credit, reserves, and documents. With our comprehensive mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to help decide which program in best fits your financial needs.

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2025 Loan Limits and Down Payment Requirements in Reading, Hamilton County, OH

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Reading, OH

Lendersa® strives to help you get the best USDA or FHA loan quickly and without hassle. Choose from three pathways to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

What are USDA Loans in OH?

A USDA home loan, guaranteed by the Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, the USDA loan requires none.

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



  • TOP CHOICE LENDING, LLC
  • 11224 Southwest Fwy, Suite 100, Houston, TX, 77031
  • Our goal at Top Choice Lending is to provide clients with an exceptional customer experience & access to a variety of lenders. We offer a variety of loans including: Conventional, FHA, VA, USDA, Refinances, commercial mortgages, business lines of credit, working capital, hard money (bridge) loans, and SBA loans.
  • Global Business Financial Investments, Inc.
  • 1375 Gateway Blvd, Suite 40, Boynton Beach, FL, 33426
  • Global Mortgage is a leader in the Industry serving the entire state of florida with over 100 years in combine experience having billions of dollars in financial backed assets from the nations largest mortgage investors with the lowest rates to make homeownership possible for all.We pride ourselves on excellent service.
  • Valiant Mortgage Group LLC
  • 1375 Gateway Blvd, Suite 52, Boynton Beach, FL, 33426
  • We understand that time is money. We’re available around the clock to make sure you’re never in the dark about the mortgage refinancing process. We’ll handle the heavy lifting, allowing you to focus on building a home. We only work with the best lenders, all of whom are vetted personally for professionalism and transparency.
  • US FUND SOURCE
  • 4781 N Congress Ave, Suite 2140, Boynton Beach, FL, 33426
  • US FUND SOURCE provides business owners with financial solutions and opportunities. As an industry leader, we have financed over 20, 000 businesses across the United States. Our professional advisors specialize in funding and providing expert advice in equipment financing, invoice factoring, unsecured working capital, term loans, SBA loans.
  • Loan Solutions Team LLC
  • 1500 Gateway Blvd, Suite 220, Boynton Beach, FL, 33426
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Best Mortgage Source Inc
  • 1500 Gateway Blvd, Suite 220, Boynton Beach, FL, 33426
  • We are professional mortgage matchmakers. Your source in the loan industry bringing you and your best lender together to purchase the home of your dreams. BEST MORTGAGE SOURCE, INC. has been set up 11/14/2019 in state FL. Damaris Oliver is the principal of Best Mortgage Source, Inc.
  • SDG Lending Inc
  • 1213 SW 25th Avenue, Boynton Beach, FL, 33426
  • SDG Lending, Inc. has the ability to close loans in as little as 2 weeks. Although out average turnaround time is 3-4 weeks. Give me a call and experience the SDG Lending difference. Scott Goldstein have been helping homeowners with their home loans loans since 2003. Scott Goldstein is a dedicated professional.
  • MORTGAGES DONE RIGHT INC.
  • 1500 Gateway Blvd, STE 220, Boynton Beach, FL, 33426
  • Greg Hayden the President of Mortgages Done Right Inc. I created the business to give thousands of my clients and hundreds of my realtors more mortgage choices in the market place. The days of going to one lender for a mortgage are gone. Mortgage brokering is better for the consumer.