Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Ohio. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Ohio Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Adams County, OH | $306,000 | $391,000 |
| Akron, OH MSA | $306,000 | $391,000 |
| Ashland County, OH | $306,000 | $391,000 |
| Ashtabula County, OH | $306,000 | $391,000 |
| Athens County, OH | $306,000 | $391,000 |
| Auglaize County, OH | $306,000 | $391,000 |
| Brown County, OH HUD Metro FMR Area | $306,000 | $391,000 |
| Canton-Massillon, OH MSA | $306,000 | $391,000 |
| Champaign County, OH | $306,000 | $391,000 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $323,000 | $417,000 |
| Cleveland-Elyria, OH MSA | $306,000 | $391,000 |
| Clinton County, OH | $306,000 | $391,000 |
| Columbiana County, OH | $306,000 | $391,000 |
| Columbus, OH HUD Metro FMR Area | $306,000 | $408,000 |
| Coshocton County, OH | $306,000 | $391,000 |
| Crawford County, OH | $306,000 | $391,000 |
| Darke County, OH | $306,000 | $391,000 |
| Dayton, OH MSA | $306,000 | $391,000 |
| Defiance County, OH | $306,000 | $391,000 |
| Erie County, OH | $306,000 | $391,000 |
| Fayette County, OH | $306,000 | $391,000 |
| Gallia County, OH | $306,000 | $391,000 |
| Guernsey County, OH | $306,000 | $391,000 |
| Hancock County, OH | $306,000 | $391,000 |
| Hardin County, OH | $306,000 | $391,000 |
| Harrison County, OH | $306,000 | $391,000 |
| Henry County, OH | $306,000 | $391,000 |
| Highland County, OH | $306,000 | $391,000 |
| Hocking County, OH HUD Metro FMR Area | $306,000 | $391,000 |
| Holmes County, OH | $306,000 | $391,000 |
| Huntington-Ashland, WV-KY-OH HUD Metro FMR Area | $306,000 | $391,000 |
| Huron County, OH | $306,000 | $391,000 |
| Jackson County, OH | $306,000 | $391,000 |
| Knox County, OH | $306,000 | $391,000 |
| Lima, OH MSA | $306,000 | $391,000 |
| Logan County, OH | $306,000 | $391,000 |
| Mansfield, OH MSA | $306,000 | $391,000 |
| Marion County, OH | $306,000 | $391,000 |
| Meigs County, OH | $306,000 | $391,000 |
| Mercer County, OH | $306,000 | $391,000 |
| Monroe County, OH | $306,000 | $391,000 |
| Morgan County, OH | $306,000 | $391,000 |
| Muskingum County, OH | $306,000 | $391,000 |
| Noble County, OH | $306,000 | $391,000 |
| Ottawa County, OH | $306,000 | $391,000 |
| Paulding County, OH | $306,000 | $391,000 |
| Perry County, OH HUD Metro FMR Area | $306,000 | $391,000 |
| Pike County, OH | $306,000 | $391,000 |
| Preble County, OH | $306,000 | $391,000 |
| Putnam County, OH | $306,000 | $408,000 |
| Ross County, OH | $306,000 | $391,000 |
| Sandusky County, OH | $306,000 | $391,000 |
| Scioto County, OH | $306,000 | $391,000 |
| Seneca County, OH | $306,000 | $391,000 |
| Shelby County, OH | $306,000 | $391,000 |
| Springfield, OH MSA | $306,000 | $391,000 |
| Toledo, OH MSA | $306,000 | $391,000 |
| Tuscarawas County, OH | $306,000 | $391,000 |
| Union County, OH HUD Metro FMR Area | $357,000 | $449,000 |
| Van Wert County, OH | $306,000 | $391,000 |
| Vinton County, OH | $306,000 | $391,000 |
| Washington County, OH | $306,000 | $391,000 |
| Wayne County, OH | $306,000 | $391,000 |
| Weirton-Steubenville, WV-OH MSA | $306,000 | $391,000 |
| Wheeling, WV-OH MSA | $306,000 | $391,000 |
| Williams County, OH | $306,000 | $391,000 |
| Wyandot County, OH | $306,000 | $391,000 |
| Youngstown-Warren-Boardman, OH HUD Metro FMR Area | $306,000 | $391,000 |
