In 2026, the USDA loan limit in the city of Urbana, residing within the county of Champaign, OH, is set at $336,500, whereas the limit for an FHA loan on a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to weigh the best rates available today comparing USDA versus FHA options. This tool helps determine the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA formats side by side, aiding in selecting the most suitable program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Urbana, Champaign County, OH
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Urbana, OH
The primary mission of Lendersa® is to make sure you acquire the most favorable USDA or FHA loan swiftly and without complications. Select one of the three provided starting points that connect you with matching lenders and USDA loan possibilities.
A USDA home loan is a mortgage guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This loan is available only in rural areas and does not require a down payment, unlike FHA loans that have a minimum 3.5% down payment requirement.
In 1892, the Peoples Savings Bank was granted a charter by the State of Ohio to open for business in Urbana, Ohio. Realizing the importance of the Champaign County community they would serve, it was thus very logical to choose the name: The PEOPLES Savings and Loan Company.
In 1993, Peoples changed from a state-chartered savings
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
The IH Credit Union, Inc. was organized in 1934 as a State Chartered Credit Union and is a non-profit corporation whose purpose is to serve the financial needs of its members, who are also owners. When a person opens a share account, he or she actually purchases a "share" in the cooperative.
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.
Established in 1885, Citizens Federal has been providing friendly and personal service to individuals and businesses for over 136 years. We take pride in our community and service to our customers. We provide a wide range of deposit accounts and lending products. Citizens Federal Savings and Loan Association serves customers in the state of Ohio.
Since 1948, YSCU has been serving members with the highest quality, easy-access financial services. We provide a complete line of efficient, cost-effective financial services and tools to meet the speed and need of your life. As a not-for-profit cooperative, owned and operated by our members,
The Scott Associates Credit Union was charted on October 17, 1967 under the laws of the State of Ohio to serve the associates of the O.M. Scott and Sons Company. It was created through the efforts of members of the Scott Associate Board that strongly believed in the Scott Associate Concept.
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.
Western Ohio Mortgage Corp. is a community lender that has been serving customers since 1999. Western Ohio Mortgage has offices located in Sidney, Lima, Mason, and Lebanon Ohio. We also serve Kentucky from offices in Florence and Lexington Kentucky.At Western Ohio Mortgage, our mission is to set a high standard in the mortgage industry.
