USDA Vs. FHA Pro and Con comparison in West-Carrollton, Montgomery County, OH

For 2025, the USDA loan limit in West-Carrollton, within Montgomery county, OH, is $285,000. In comparison, the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the current USDA versus FHA rates, and identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, helping you decide which is best for your financial needs in Alabama.

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2025 Loan Limits and Down Payment Requirements in West-Carrollton, Montgomery, OH

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in West-Carrollton, OH

Lendersa® aims to promptly secure the best USDA or FHA loan for you, hassle-free. Select one of three options to find matching lenders and USDA loan programs.

Lendersa USDA loan request and results

Understanding USDA Loans in OH

A USDA home loan is a government-backed mortgage by the Department of Agriculture, known as the USDA rural development loan. It is exclusively offered in rural areas. Unlike FHA loans, requiring a minimum 3.5% down payment, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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