USDA Loan Vs. FHA loan pro & con for Worthington, Franklin County, OH

In 2025, USDA loan limit in Worthington, county of Franklin, OH is $351,400 while FHA limit is $488,750 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.

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USDA and FHA loan options in Worthington, 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.

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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.

(937) 223-2828 64 miles Lender's profile and map Reviews Freedom 1st Credit Union 1645 Webster Street, Dayton, OH, 45404 As a not-for-profit financial cooperative, Freedom 1st is owned by the folks who save and borrow money at their credit union...the members. Unlike a bank, credit union profits are returned to the members in the form of higher dividends on savings, lower interest rates on loans, lower fees...and many other money saving services.
(937) 458-3303 65 miles Lender's profile and map Reviews Dayton Capital Partners 2702 Linden Ave #102, Dayton, OH, 45410 Dayton Capital Partners, LLC is a direct lender and mortgage broker for real estate investors. We specialize in Hard Money Loans and Transactional funding. We also assist Ohio investors with rental loans. Most of our loans are for single family, small multifamily and apartment buildings
(937) 898-7800 66 miles Lender's profile and map Reviews Abbey Credit Union 800 Falls Creek Drive, Vandalia, OH, 45377 Abbey Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937, our members have experienced the meaning of belonging to a financial institution that cares about its community.Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937
(937) 236-2562 67 miles Lender's profile and map Reviews DayMet Credit Union 4988 Wagner Ford Road, Dayton, OH, 45414 DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.
(937) 643-2160 67 miles Lender's profile and map Reviews Day Air Credit Union 3434 York Commons Blvd, Dayton, OH, 45414 Day Air Credit Union, a not-for-profit, full-service financial institution that serves businesses and residents of the Dayton community in southwest Ohio. In addition to our six full-service locations, credit Union members have access to thousands of surcharge-free ATMs and shared branches nationwide.
(937) 264-9150 67 miles Lender's profile and map Reviews C & G Mortgage 4165 Little York Rd., Dayton, OH, 45414 At C & G Mortgage. We are a full service mortgage company based in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle, , Ohio. We specialize in FHA loans, First Time Home buyer, in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle
(937) 228-1614 67 miles Lender's profile and map Reviews Firefighters & Company Federal Credit Union 338 South Patterson Boulevard, Dayton, OH, 45402 The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.
(937) 222-8971 67 miles Lender's profile and map Reviews CODE Credit Union 355 W Monument Avenue, Dayton, OH, 45402 CODE Credit Union is a member-owned, cooperative financial institution that has been serving municipal employees and select companies and organizations since 1940. We continuously strive toward excellence by providing a comprehensive range of quality products and services to meet our members' financial needs.
(513) 762-7690 67 miles Lender's profile and map Reviews Great Oak Funding 120 West Second Street, Suite 1406, Dayton, OH, 45402 Great Oak Funding is a private lender focused on providing funding to help businesses grow and expand. Great Oak Funding provides capital through mezzanine financing to existing companies with a track record of revenue. Great Oak Funding’s management team has a history of working with distressed companies to provide guidance.
(740) 947-2136 67 miles Lender's profile and map Reviews The First National Bank of Waverly 107 North Market Street, Waverly, OH, 45690 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.