USDA Loan Vs. FHA loan pro & con West-Portsmouth, Scioto County, OH

For 2026, the USDA loan limit in West-Portsmouth, within Scioto county, OH, is capped at $285,000. In contrast, the FHA limit for a single-family home stands at $356,362.

Use the Lendersa® USDA loan calculator to evaluate today's leading rates between USDA and FHA loans. Determine the income, credit score, reserves, and necessary documents required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, guiding you in selecting the most suitable program in for your financial needs.

USDA and FHA Loan Options in West-Portsmouth, OH

Lendersa® is dedicated to securing the best possible USDA or FHA loan for you promptly and without hassle. Begin your journey by selecting one of three starting points to connect with matching lenders and USDA loan programs.

Results from Lendersa's USDA loan requests and matches

Understanding USDA Loans in OH

A USDA home loan, supported by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.

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West-Portsmouth Lenders
(740) 354-7791 Lender's profile and map Desco Federal Credit Union 401 Chillicothe Street, Portsmouth, OH, 45662 Lends in Ohio Desco Federal Credit Union provides an exceptional banking experience to residents of Scioto and Lawrence Counties in Ohio, Boyd and Greenup Counties in Kentucky, and Cabell and Wayne Counties in West Virginia. As we continue to expand, our commitment to our members and the community will remain top priority.
(740) 289-5060 Lender's profile and map Atomic Credit Union 711 Beaver Creek Road, Piketon, OH, 45661 Lends in Ohio Atomic Credit Union is currently offering great rates with a variety of personal and business services, including checking and savings accounts, auto loans, mortgages and much more. Bank online or at any of our convenient locations in Athens, Beaver, Chillicothe, Jackson, Logan, Lucasville, Minford, Oak Hill, Piketon, Portsmouth, Waverly, Wellston,
(937) 544-2361 Lender's profile and map The National Bank of Adams County of West Union 218 N. Market St., West Union, OH, 45693 Lends in Ohio The National Bank of Adams County has worked hard to be a strong locally owned & operated bank that truly understands the needs of Adams County. Our focus continues to be a banking institution that provides timely & excellent customer service.Our banking structure at NBAC allows us to be successful with this goal because decisions are made locally.
(740) 947-2136 Lender's profile and map The First National Bank of Waverly 107 North Market Street, Waverly, OH, 45690 Lends in Ohio First National Bank is committed to its customers. For over 150 years our doors have been open, and we strive to serve our customers to best meet their individual financial needs, not only because they're our customers, but also our friends and neighbors. We take pride in being on a first name basis with our customers.
(740) 532-2856 Lender's profile and map Liberty Bank (Ohio) 314 Park Ave, Ironton, OH, 45638 Lends in Ohio Liberty Bank traces its history back to the decade preceding the "Gay Nineties" when a group of Ironton businessmen and workingman formed a "Terminating" type of building and loan association, chartered as "The German American Workingmen's Building Association." A certain number of men subscribed to shares