USDA VS FHA in Upper-Arlington, Franklin County, OH
As of 2026, the USDA loan limit in Upper-Arlington, which is part of Franklin county, OH, is $318,300. Meanwhile, the FHA cap for a single-family home is $397,900.
You can utilize the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates. This tool will help you determine the required income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can see a side-by-side comparison of USDA, FHA, Conforming, and VA loans, which aids in selecting the most suitable program in Alabama for your financial circumstances.
2026 Loan Thresholds and Down Payment Requirements in Upper-Arlington, Franklin, OH
Loan Type
Loan Maximum
Down Payment
USDA
$318,300
0%
FHA
$397,900
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in Upper-Arlington, OH
Lendersa® is dedicated to securing you the best possible USDA or FHA loan quickly and with minimal effort. Choose from one of three starting options to connect with lenders and USDA loan programs that fit your needs.
A USDA home loan, endorsed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusive to rural locales. Unlike FHA loans, requiring a minimum down payment of 3.5%, USDA loans require no down payment.
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