Housing Market

June 16, 2022

USDA Loans in Ohio – What You Need to Know

USDA Loans in Ohio

In fulfilling our commitment to offering mortgage solutions to every client, we are excited to highlight our expert options for our rural-based borrowers. Enter…USDA Loans in Ohio.

What is a USDA Loan?

A USDA Loan is a government-backed loan from the U.S. Department of Agriculture. These loans help to make homeownership attainable for medium and lower-income buyers, specifically in rural areas. 

Why Choose a USDA Loan?

USDA Loans are created with a unique group of borrowers in mind, thus making them a valuable option for those who qualify. USDA benefits include:

  • Low and zero down payment options
  • Up to 100% financing 
  • Competitive rates to conventional loans 
  • Lower PMI than conventional loans
  • Flexible qualifying requirements, including a minimum qualifying credit score of 640. 

Also, for our growing Ohio market, USDA Loans in Ohio require no qualifying assets and have no maximum loan amounts.

How do I get a USDA Loan in Ohio?

USDA Loans in Ohio have maximum income limits that vary by household size and county. Specifically, for a household of 1-4, the average income limit for a USDA Loan is about $108,250 a year. For a family of 5 or more, the limit can be up to $142,900*. In addition, these loans are not available in all areas since they target rural development. 

To see if your county qualifies and to check income limits for your household, try out the income eligibility tool. 

Let’s Talk

Finally, if you are looking into a USDA loan, trust UHL as your lender. Our team of experts is here to help you achieve homeownership with a personalized experience and the right loan at the lowest rate. Contact us today to get started.


*USDA loans. (n.d.). Ohio USDA Loans. Retrieved June 14, 2022, from

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