USDA Vs. FHA your options comparison in Urbana, Champaign County, OH
In 2025, 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 .
2025 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.
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