USDA Vs. FHA your options comparison in Wellington, Lorain County, OH
As of 2025, the USDA loan cap for a single-family home in Wellington, located in Lorain county, OH, is $336,500. In comparison, the FHA limit for similar properties is $472,030.
With the Lendersa® USDA loan calculator, you can evaluate and compare today's optimal USDA vs FHA interest rates. It's crucial to assess the income, credit, reserves, and documentation necessary to qualify. Our comprehensive mortgage calculator lays out USDA, FHA, Conforming, and VA loans side by side for a holistic comparison, assisting you in choosing the most advantageous program for your financial circumstances in .
Understanding 2025 Loan Limits and Down Payment Needs in Wellington, County of Lorain, 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 Choices in Wellington, OH
At Lendersa®, our goal is to connect you with the most suitable USDA or FHA loan options quickly and efficiently. Choose from one of three accessible pathways that align you with compatible lenders and USDA programs.
A USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is a government-backed financing option through the Department of Agriculture, intended for properties in rural areas. It uniquely requires no down payment, differing from FHA loans, which necessitate at least a 3.5% down payment.
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