USDA and FHA Pro and Con in Troy, Miami County, OH
In 2026, the USDA loan limit for Troy in the county of Miami, OH, is determined to be $336,500, while the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare today’s USDA and FHA prime rates. Assess the needed income, credit score, reserves, and documentation for qualification. With our state-of-the-art mortgage calculator, you can conveniently view USDA, FHA, Conforming, and VA options side by side, guiding you in selecting the program in that best matches your financial needs.
2026 Loan Limits and Down Payment Requirements in Troy, Miami, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Troy, OH
Lendersa® aims to quickly provide you with the most favorable USDA or FHA loan, seamlessly and hassle-free. You can start with one of three pathways that ensure you connect with matching lenders and relevant USDA loan programs.
A USDA home loan is a type of mortgage backed by the Department of Agriculture, often termed a USDA rural development loan or USDA mortgage. It is accessible exclusively in rural communities. Unlike FHA loans requiring a down payment of at least 3.5%, USDA loans necessitate no down payment, offering an advantageous solution for eligible participants.
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