USDA Vs. FHA Pro and Con comparison 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.
1880 Mackenzie Drive, Suite 107, Columbus, OH, 43220
Lends in Ohio
Joe Sauk has been Originating mortgage Loans since 1993. Sauk Mortgage licensed in both Ohio and Florida. Sauk Mortgage Group offers many mortgage programs including Conventional, Jumbo, FHA, and VA loans. Sauk Mortgage Group mission is to serve his customer with honesty, integrity.
Traditional Mortgage Banc has grown to become one of the leading Conventional, FHA, VA, and Fannie Mae approved mortgage bankers in Central Ohio. Traditional Mortgage Banc offers the most competitive rates and terms in the market place. We offer Conventional Financing, FHA, VA, and more or an experienced real estate investor.
SMART Federal Credit Union is a not-for-profit organization designed to meet the needs of ALL school employees and retired teachers in Franklin County and select surrounding counties. SMART was established in 1952 by a local principal, Ms. Edna Windom, to bring local teachers the same banking needs a bank offers WITHOUT the unnecessary fees.
Machine tool financing made simple, fast & affordable. We offer one of the best machine tool financing programs in the country. All of our machine tool financing starts with our one-page application. Looking at a used machine? No problem. We finance new and used machine tools every day.
110 Northwoods Boulevard, Suite A-1, Columbus, OH, 43235
Lends in Ohio
Our goal is to provide our customers with an experienced and highly qualified mortgage banker who will provide the personal care they need throughout the entire mortgage loan process. We realize that for most consumers this is the most significant financial decision they will make, because it involves their most valuable asset - their home
Concierge Mortgage is a full service mortgage provider focusing on the individual needs of our clients. We provide an array of customized financing solutions for residential & commercial purchases and refinances. We utilize tools & resources outside of the standard banking industry to achieve premium financing solutions above the industry standard.
150 E. Campus View Blvd, Suite 275, Columbus, OH, 43235
Lends in Ohio
Hometown Lenders is here to serve our partners by operating from the core belief that exceeding expectations is the only way to do business. We deliver this pledge of excellence through unsurpassed customer service, leading-edge technology, and expert assistance to provide the most innovative and creative mortgage financing solutions available.
3530 Snouffer Road, Suite 100, Columbus, OH, 43235
Lends in Ohio
Equitable Mortgage is dedicated to client satisfaction. We are a family owned business and one of Ohio's largest lenders. We take every loan request very seriously and use our expertise to better serve you and Equitable Mortgage has simplified the loan application process. We make it easy to Apply Online.
Covita Lending offers a wide range of lending options to meet your financial needs and circumstances. With nearly 25 years in combined experience as top producing loan officers, our assurance is that whether you are a first-time buyer, interested in refinancing your mortgage, or a real estate investor, we’re here to guide you through the process.
