USDA Direct Loans (also known as USDA Section 502 Direct Loans) are a mortgage program that assists low- and very-low income individuals buy decent, safe, and clean housing in rural areas. This is done through payment assistance which increases a borrower’s ability to repay. That payment assistance can be best described a subsidy which lowers the mortgage payment for short periods. The amount of assistance largely depends on the adjusted family income. USDA Direct Home Loans in Ohio don’t work in the same manner as USDA Guaranteed Loans in Ohio. The USDA Guaranteed Loan Program is a more popular option and can be used for a wider range of applicant incomes.Ohio USDA Direct Loans are 100% financing mortgages. Unlike Guaranteed USDA Loans, applicants must have low or very low income to qualify for Direct Loans.

Ohio USDA Direct Loan Requirements

USDA Direct Loans are a mortgage program available for low-income individuals to buy homes in rural areas. USDA defines low- or very low income as anything between 50% and 80% of the Area Median (AMI). The statewide median income was recently reported as $56,602 in Ohio, but this number may differ from one county to the next. For home buyers that meet those requirements, USDA Loans are a zero-down mortgage, meaning there’s no down payment. To be eligible, applicants must also meet the following requirements:

  • You don’t presently have decent, clean, sanitary and safe housing.
  • You can’t get another mortgage from a different source with terms and conditions reasonably expected to be met.
  • The subject property must be your primary residence.
  • You must be legally eligible for a mortgage.
  • You must meet citizenship requirements or non-citizen requirements.
  • You must be eligible for participation in federal programs.

In addition, the subject property must meet the following requirements.

  • It must be moderately-sized for that area.
  • The home cause can’t exceed the area’s applicable loan limit.
  • The home can’t be designed for the production of income.

How much can I borrow with a USDA Direct Mortgage?

Up to the maximum loan limit, the amount of money that an applicant’s eligible for depends on their ability to pay it back. When evaluating home loan applicants for Direct home loans, Rural Development considers income, assets, debt, and payment assistance. And remember, you can’t borrow more than the local USDA loan limit for the county where the home is located, no matter what your repayment ability may be.

What areas in OH are eligible for USDA Direct Loans?

The subject property must be in an approved rural area. You can search specific addresses in Ohio for USDA eligibility here.

Are there other zero down mortgage options or low down payment mortgages in Ohio?

Yes, other low down payment mortgage options, and no down payment mortgage options are available in Ohio besides USDA Direct Loans. You can start by looking into USDA Guaranteed Loans in Ohio, FHA Loan in Ohio, or if you’re a veteran or qualified family member, VA Loans in Ohio. You may also want to research if any helpful Ohio down payment assistance programs may be available.

Search all USDA Guaranteed Loan Limits (Direct and Guaranteed Loans)
Learn about today’s USDA Loan Requirements

Direct Loans aren’t as popular as USDA Guaranteed Loans, which accommodate a wider range of borrower qualifications. The USDA sets specific maximum mortgage limits for Direct Loans in Ohio. Search home loan limits for your area below.

Ohio USDA Direct Loan Limits

Area
Direct Loan Limit
Adams $251,862
Allen $251,862
Ashland $251,862
Ashtabula $251,862
Athens $251,862
Auglaize $251,862
Belmont $251,862
Brown $251,862
Butler $251,862
Carroll $251,862
Champaign $251,862
Clark $251,862
Clermont $251,862
Clinton $251,862
Columbiana $251,862
Coshocton $251,862
Crawford $251,862
Darke $251,862
Defiance $251,862
Delaware $285,200
Erie $253,000
Fairfield $251,862
Fayette $251,862
Franklin $251,862
Fulton $251,862
Gallia $251,862
Geauga $251,862
Greene $251,862
Guernsey $251,862
Hamilton $251,862
Hancock $251,862
Hardin $251,862
Harrison $251,862
Henry $251,862
Highland $251,862
Hocking $251,862
Holmes $251,862
Huron $251,862
Jackson $251,862
Jefferson $251,862
Knox $251,862
Lake $251,862
Lawrence $251,862
Licking $285,200
Logan $251,862
Lorain $251,862
Lucas $251,862
Madison $285,200
Mahoning $251,862
Marion $251,862
Medina $251,862
Meigs $251,862
Mercer $251,862
Miami $251,862
Monroe $251,862
Montgomery $251,862
Morgan $251,862
Morrow $285,200
Muskingum $251,862
Noble $251,862
Ottawa $251,862
Paulding $251,862
Perry $285,200
Pickaway $285,200
Pike $251,862
Portage $251,862
Preble $251,862
Putnam $251,862
Richland $251,862
Ross $251,862
Sandusky $251,862
Scioto $251,862
Seneca $251,862
Shelby $251,862
Stark $251,862
Trumbull $251,862
Tuscarawas $251,862
Union $285,200
Van Wert $251,862
Vinton $251,862
Warren $251,862
Washington $251,862
Wayne $251,862
Williams $251,862
Wood $251,862
Wyandot $251,862

More USDA Loan Resources

USDA Direct Loan Income Limits (Low Income)
USDA Direct Loan Limits (Low Income)

All USDA Loan Limits
All USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA Loan Calculator

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Maximum Loan Amounts
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