USDA Vs. FHA your options comparison in Whitehouse, Lucas County, OH

In 2025, USDA loan limit in Whitehouse, county of Lucas, OH is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Whitehouse, county of Lucas, 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 options in Whitehouse, OH

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Ohio?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Sterling Mortgage Services
  • 5620 Birdcage Street, Suite 210, Citrus Heights, CA, 95610
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Elite Loan Advisers
  • 3830 Watt Ave, Unit 2, Citrus Heights, CA, 95610
  • We are a customer service based mortgage company centered on flexibility and finding the best mortgage option for our clients and their families. We believe each person's situation is different and can help prepare those who are not ready to take the necessary steps within their budget and time frame.
  • Brian Terrill Lending Company
  • 5750 Sunrise Boulevard, Suite 130-A, Citrus Heights, CA, 95610
  • We are a licensed finance brokerage that operates in the State of California under the Department of Business Oversight Financing Law. We are also licensed as a Mortgage Loan Originator in the State of California. At times we may refer you to other sources of funding rather than act as the direct broker,
  • Silver Oak Funding
  • 5750 Sunrise Blvd, Suite 210, Citrus Heights, CA, 95610
  • Silver Oak Funding, Inc is focused on the Mortgage Broker model of lowest Rate and costs coupled with top service in order to ensure the best client experience possible. The team at Silver Oak Funding is dedicated to “simplifying” the home loan process for everyone involved. Too often in today’s fast paced world
  • Heritage Financial of Ventura
  • 403 West Ojai Ave, Ojai, CA, 93023
  • Heritage Financial was established in 1990 on the same ethics and standards that keep their doors open today. We are a locally owned and staffed mortgage brokerage with an amazing team of professionals that have the experience and knowledge to get the job done right. We believe in education, not only for our clients but also our company.
  • Real Estate Lenders
  • 705 Alomar Street, Ojai, CA, 93023
  • I have been involved in real estate for over 35 years. My vast experience has provided me with extensive knowledge of the entire loan process. Today, as a licensed Mortgage Broker and Loan Officer, I am able to provide a wealth of information to my clients. As a true mortgage professional, I’m looking to build relationships so my clients
  • Optimus Capital Corp
  • 11064 Fair Oaks Blvd #200 Fair Oaks, Fair Oaks, CA, 95628
  • Optimus Capital offers fast and creative financing solutions for real estate investors, through private-money loans. Whether it’s for Long-term or Short-term Rentals, Fix and Flips, Ground-Up Construction or Commercial Real Estate Loans, Optimus Capital delivers fast and easy access to necessary financing nationwide. Our success is based on “speed
  • Crestone Mortgage
  • 8510 Madison Avenue, Suite F, Fair Oaks, CA, 95628
  • A family-owned business with over 20 years of experience,we are here to help customers obtain their dream homes with affordable mortgage loans.As a mortgage brokerage,our fiduciary duty is to our customers–not to banks. It is our duty & our pleasure to help customers get the best loan product at the cheapest possible cost from a variety of lenders.
  • Attorneys Funding Group
  • 11140 Fair Oaks Blvd, Suite 500, Fair Oaks, CA, 95628
  • With decades of experience in in the mortgage industry, our Veteran-owned mortgage company assists homeowners navigate the complexities of the home loan process through a no-nonsense, forward thinking approach. Our mortgage professionals have decades of experience, and are able to handle any real estate transaction from start to finish.
  • Sacramento Owner Builder Center, Inc.
  • 4777 Sunrise Boulevard, Suite A, Fair Oaks, CA, 95628
  • The Owner Builder Center has been teaching classes and providing support services to both people who are building or remodeling their own homes and to the local construction community of subcontractors and vendors since April 1884. Over the years, thousands of people have attended and been trained to successfully build their own homes.
  • Mid Valley Funding & Inv., Inc.
  • 9706 Fair Oaks Boulevard, Suite 195, Fair Oaks, CA, 95628
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. MidValley Funding & Inv. Inc, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!
  • Mid Valley Mortgage
  • 9706 Fair Oaks Boulevard, Suite 135, Fair Oaks, CA, 95628
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Mid Valley Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!