USDA LOAN BENEFITS IN OHIO
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN OHIO
Ohio has many USDA Loan eligible areas and some may surprise you. Downtown areas of Columbus, Cleveland and Cincinnati will not be eligible but you may be shocked to find out that many cities just outside these areas are USDA Loan eligible. If you are wondering if your area is eligible please contact one of our certified USDA Loan agents to discuss the exact areas that qualify.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Ohio.
Income Limits for Ohio
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Adams | $78,200 | $103,200 |
| Allen | $78,200 | $103,200 |
| Ashland | $78,200 | $103,200 |
| Ashtabula | $78,200 | $103,200 |
| Athens | $78,200 | $103,200 |
| Auglaize | $78,200 | $103,200 |
| Belmont | $78,200 | $103,200 |
| Brown | $78,200 | $103,200 |
| Butler | $85,900 | $113,400 |
| Carroll | $78,200 | $103,200 |
| Champaign | $78,200 | $103,200 |
| Clark | $78,200 | $103,200 |
| Clermont | $85,900 | $113,400 |
| Clinton | $78,200 | $103,200 |
| Columbiana | $78,200 | $103,200 |
| Coshocton | $78,200 | $103,200 |
| Crawford | $78,200 | $103,200 |
| Cuyahoga | $78,200 | $103,200 |
| Darke | $78,200 | $103,200 |
| Defiance | $78,200 | $103,200 |
| Delaware | $85,550 | $112,950 |
| Erie | $78,200 | $103,200 |
| Fairfield | $85,550 | $112,950 |
| Fayette | $78,200 | $103,200 |
| Franklin | $85,550 | $112,950 |
| Fulton | $78,200 | $103,200 |
| Gallia | $78,200 | $103,200 |
| Geauga | $78,200 | $103,200 |
| Greene | $78,200 | $103,200 |
| Guernsey | $78,200 | $103,200 |
| Hamilton | $85,900 | $113,400 |
| Hancock | $79,800 | $105,350 |
| Hardin | $78,200 | $103,200 |
| Harrison | $78,200 | $103,200 |
| Henry | $78,200 | $103,200 |
| Highland | $78,200 | $103,200 |
| Hocking | $78,200 | $103,200 |
| Holmes | $78,200 | $103,200 |
| Huron | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Jefferson | $78,200 | $103,200 |
| Knox | $78,200 | $103,200 |
| Lake | $78,200 | $100,400 |
| Lawrence | $78,200 | $103,200 |
| Licking | $85,550 | $112,950 |
| Logan | $78,200 | $103,200 |
| Lorain | $78,200 | $100,400 |
| Lucas | $78,200 | $103,200 |
| Madison | $85,550 | $112,950 |
| Mahoning | $78,200 | $103,200 |
| Marion | $78,200 | $103,200 |
| Medina | $78,200 | $100,400 |
| Meigs | $78,200 | $103,200 |
| Mercer | $78,200 | $101,000 |
| Miami | $78,200 | $103,200 |
| Monroe | $78,200 | $103,200 |
| Montgomery | $78,200 | $103,200 |
| Morgan | $78,200 | $103,200 |
| Morrow | $85,550 | $112,950 |
| Muskingum | $78,200 | $103,200 |
| Noble | $78,200 | $103,200 |
| Ottawa | $78,200 | $103,200 |
| Paulding | $78,200 | $103,200 |
| Perry | $78,200 | $103,200 |
| Pickaway | $85,550 | $112,950 |
| Pike | $78,200 | $103,200 |
| Portage | $78,200 | $101,000 |
| Preble | $78,200 | $103,200 |
| Putnam | $87,200 | $115,100 |
| Richland | $78,200 | $103,200 |
| Ross | $78,200 | $103,200 |
| Sandusky | $78,200 | $103,200 |
| Scioto | $78,200 | $103,200 |
| Seneca | $78,200 | $103,200 |
| Shelby | $78,200 | $103,200 |
| Stark | $78,200 | $103,200 |
| Summit | $78,200 | $101,000 |
| Trumbull | $78,200 | $103,200 |
| Tuscarawas | $78,200 | $103,200 |
| Union | $95,650 | $126,250 |
| Van Wert | $78,200 | $103,200 |
| Vinton | $78,200 | $103,200 |
| Warren | $85,900 | $113,400 |
| Washington | $78,200 | $103,200 |
| Wayne | $78,200 | $103,200 |
| Williams | $78,200 | $103,200 |
| Wood | $78,200 | $103,200 |
| Wyandot | $78,200 | $103,200 |
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