In 2026, the USDA loan limit for Youngstown, in the county of Mahoning, OH, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
To compare today's optimal USDA versus FHA rates, use the Lendersa® USDA loan calculator, which also elucidates the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you choose the program best suited to your financial circumstances in
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| Loan Type | Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa®'s mission is to connect you with the best USDA or FHA loan quickly and without complication. Choose one of three approaches to find matching lenders and the most appropriate USDA loan programs for your situation.
A USDA home loan is backed by the government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. These loans are only available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment, providing a more accessible option for some homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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