USDA Vs. FHA your options comparison 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.
Abbey Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937, our members have experienced the meaning of belonging to a financial institution that cares about its community.Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937
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.
DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.
Day Air Credit Union, a not-for-profit, full-service financial institution that serves businesses and residents of the Dayton community in southwest Ohio. In addition to our six full-service locations, credit Union members have access to thousands of surcharge-free ATMs and shared branches nationwide.
At C & G Mortgage. We are a full service mortgage company based in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle, , Ohio. We specialize in FHA loans, First Time Home buyer, in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle
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
As a not-for-profit financial cooperative, Freedom 1st is owned by the folks who save and borrow money at their credit union...the members. Unlike a bank, credit union profits are returned to the members in the form of higher dividends on savings, lower interest rates on loans, lower fees...and many other money saving services.
Our team of professional REALTORS ® and staff use the latest in technology to communicate, market and make your real estate deal a smooth one. Our decades of experience equips us to handle your needs with confidence and integrity. Combining technology with hometown experience means "We're Home For You"
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.
