USDA Vs. FHA your options comparison in Sidney, Shelby County, OH
In 2026, the USDA loan limit for a single-family home in Sidney, located in the county of Shelby, OH, is set at $336,500. In comparison, the FHA loan limit is $472,030.
Take advantage of the Lendersa® USDA loan calculator to juxtapose today’s USDA and FHA best rates, determine income thresholds, credit, reserves, and all necessary documentation for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in deciding the optimal program for your specific financial conditions in Alabama.
Loan Limits and Down Payment Requirements for 2026 in Sidney, Shelby, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Diverse USDA and FHA Loan Options in Sidney, OH
Lendersa® is committed to offering rapid access to the best USDA or FHA loans with ease. Choose from one of three different ways to align with lenders and explore USDA loan programs customized to fit your needs.
A USDA home loan is government-backed by the Department of Agriculture, referred to as the USDA rural development loan or USDA mortgage, and is exclusively available in rural communities. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage offers the benefit of no required down payment.
Peoples Federal Savings and Loan Association has participated with pride in the agricultural, commercial, and industrial development that has graced Shelby County and shaped the destiny of its residents. and that time, the only two services we were allowed to provide were mortgage loans and savings accounts.
Western Ohio Mortgage Corp. is a community lender that has been serving customers since 1999. Western Ohio Mortgage has offices located in Sidney, Lima, Mason, and Lebanon Ohio. We also serve Kentucky from offices in Florence and Lexington Kentucky.At Western Ohio Mortgage, our mission is to set a high standard in the mortgage industry.
Minster Bank is a locally owned community bank serving Auglaize, Mercer, Miami, Montgomery, & Shelby counties. At Minster Bank we take pride in our progressive & personable approach to providing financial services.Minster Bank has been helping individuals, families & businesses achieve their dreams by offering a variety of Personal, Business.
The First Central National Bank is an independent community bank In St. Paris Ohio, serving our community since 1880. Our bank offers a full line of financial products and services ranging from traditional, interest bearing checking and savings accounts to modern day conveniences such as Direct Deposit
First National Bank was chartered in 1934 as a national bank. It currently has offices in New Bremen, Wapakoneta, Sidney, New Knoxville, & Botkins, Ohio. The Bank is engaged in serving the financial needs of individuals, businesses, & organizations. The principal business of the bank is making loans and accepting deposits from the general public.
At Versailles Savings & Loan, customer service is our number one priority. We are able to meet the needs of our customers with our staff’s fast friendly service. Being locally owned and operated, we are able to assist our customers by getting them answers in a timely manner rather than waiting for word from a corporate office
Established in 1885, Citizens Federal has been providing friendly and personal service to individuals and businesses for over 136 years. We take pride in our community and service to our customers. We provide a wide range of deposit accounts and lending products. Citizens Federal Savings and Loan Association serves customers in the state of Ohio.
In 1892, the Peoples Savings Bank was granted a charter by the State of Ohio to open for business in Urbana, Ohio. Realizing the importance of the Champaign County community they would serve, it was thus very logical to choose the name: The PEOPLES Savings and Loan Company.
In 1993, Peoples changed from a state-chartered savings
NCF Savings Bank has been serving our customers and community. As a small, locally owned community bank we are in a unique position to respond to your needs quickly and efficiently, with all the great products and services that our customers need and want. NCF is extremely proud to be a locally focused bank that builds into the communities serve.
