USDA and FHA Pro and Con in White-Oak, Hamilton County, OH
In 2025, the USDA loan limit in White-Oak, situated in Hamilton county, OH, stands at $285,000. In comparison, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to analyze today's top USDA versus FHA rates and identify the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, helping you choose the optimal program for your financial situation in .
Loan limits and downpayment requirements for 2025 in White-Oak, Hamilton, OH
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA loan choices in White-Oak, OH
The goal of Lendersa® is to offer you the best possible USDA or FHA loan efficiently and without hassle. Select one of three pathways to match with lenders and explore USDA loan opportunities.
A USDA home loan is a government-guaranteed loan provided by the Department of Agriculture, also known as a USDA rural development loan or mortgage. It is only available in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgage loans do not require any down payment, making them accessible for qualified rural buyers.
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