USDA VS FHA in St.-Bernard, Hamilton County, OH

In 2026, the USDA loan limit for St.-Bernard, within Hamilton county, OH, is set at $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in St.-Bernard, Hamilton, OH

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

USDA and FHA Loan Options in St.-Bernard, OH

Lendersa® is dedicated to finding you the best USDA or FHA loan quickly and without hassle. Choose one of three starting points leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in OH

A USDA home loan is a government-backed mortgage offered by the Department of Agriculture, also known as the USDA rural development loan. It's exclusive to rural areas and requires no down payment, unlike FHA loans, which require at least a 3.5% down payment.

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



  • Pinnacle Funding
  • 905 W. Main St, Suite 24, Durham, NC, 27701
  • At Pinnacle Funding, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.

  • Community Lending Solutions Inc
  • 801 Moreland Avenue, Suite B, Atlanta, GA, 30316
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.

  • Nymeo Federal Credit Union
  • 5210 Chairmans Court, Frederick, MD, 21703
  • Nymeo is a cooperative, not-for-profit credit union dedicated to personalized services for its members.
    If you live, work, worship, attend school or conduct business in Frederick County Maryland, you are welcome to become a member! Since we are a nonprofit, we have members NOT customers.

  • Addison Mortgage Consultants
  • 5 Hillcrest Dr, Suite B203, Frederick, MD, 21703
  • Addison Mortgage Consultants, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Penn State Federal Credit Union
  • 123 Amberleigh Lane, Bellefonte, PA, 16823
  • Penn State Federal Credit Union has been open since 1959. The credit union has assets totaling $240.08 Million and provides banking services to more than 15, 000 members.

    The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups

  • Strategic Federal Credit Union
  • 22110 Pacific Boulevard, Suite 100, Sterling, VA, 20166
  • Strategic FCU is a not-for-profit, cooperative financial institution owned and governed by its members. Members' deposits are Federally insured and Strategic FCU is Federally regulated by the National Credit Union Administration (NCUA). Our sole purpose is to provide our members with the best possible financial services at the lowest cost.

  • Olean Teachers and Postal County Federal Credit Union
  • 1700 Constitution Avenue, Olean, NY, 14760
  • The Olean Teachers and Postal Federal Credit Union was chartered in 1952. It is a not-for-profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the members. The Board of Directors is the policy making and the governing body of the Credit Union.

  • Members Community Credit Union
  • 159 Colorado Street, Muscatine, IA, 52761
  • Members Community Credit Union is a $81 million, full-service cooperative financial institution that is owned and operated by its members. We pride ourselves on being not your ‘normal’ financial institution. We love to have fun with our members and try to connect with each one. We opened our membership to the public in 2003.

  • Griffin Capital
  • 1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407
  • Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.