USDA Vs. FHA your options comparison in Xenia, Greene County, OH
In the year 2026, the USDA loan limit for Xenia, within the county of Greene, OH, is set at $336,500. Conversely, the FHA limit for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the most advantageous rates between USDA and FHA today. Determine the required income, credit standing, reserves, and documents necessary for qualification. With our cutting-edge mortgage calculator, you'll see USDA, FHA, Conforming, and VA loans presented side by side, helping you to select the optimal program in for your specific financial context.
2026 Loan Caps and Down Payment Requirements in Xenia, Greene, OH
Loan Type
Maximum Loan Amount
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in Xenia, OH
The aim of Lendersa® is to secure you the best possible USDA or FHA loan swiftly and efficiently. Choose from one of three starting options that lead to aligning lenders and potential USDA loan programs.
A USDA home loan, assured by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is primarily available in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA loans demand no down payment, making them particularly appealing for eligible borrowers.
Since 1948, YSCU has been serving members with the highest quality, easy-access financial services. We provide a complete line of efficient, cost-effective financial services and tools to meet the speed and need of your life. As a not-for-profit cooperative, owned and operated by our members,
Wright-Patt Credit Union (WPCU), we make it easy. With Member Center locations in Southwest and Central Ohio, 40,000+ of lower-to-no-fee ATMs, thousands of Shared Branching locations nationwide, and an award winning mobile app, we give you all the conveniences you expect from a traditional bank.
3560 Pentagon Boulevard, Suite 301, Beavercreek, OH, 45431
Lends in Ohio
myCUmortgage, a wholly-owned Credit Union Service Organization of Wright-Patt Credit Union in Beavercreek, Ohio, empowers credit union partners to be great mortgage lenders. Through exceptional leadership, comprehensive solutions, expert guidance and partner-focused service, myCUmortgage delivers peace of mind to credit union
Our team of professional REALTORS ® and staff use the latest in technology to communicate, market and make your real estate deal a smooth one. Our decades of experience equips us to handle your needs with confidence and integrity. Combining technology with hometown experience means "We're Home For You"
At KH Credit Union, we do the same by taking care of the financial needs of our members; the healthcare professionals of Kettering Health and their families. We are committed to providing the best possible service, efficiently and inexpensively. KH Credit Union is a not-for-profit financial institution.
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
Northern Mortgage Services (Dayton Group) is a local mortgage company that supports our community. We strive to provide the best client experience through knowledge, customer service, and product. Northern Mortgage Services: Bill Hudson has been in this business locally for 20 years.
Universal 1 Credit Union was founded in 1937 in Dayton, Ohio. With 10 member centers in the greater Miami Valley, U1CU provides quality financial products and services to members all over the world. U1CU membership is open to all who live, work, worship, or go to school in one of the many communities that we serve.
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.
