No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Ohio USDA Loans
My state-specific information
Eligibility Requirements – Ohio
That new home in Ohio could finally be yours with a home loan from the USDA. For a family of 1-4 in Ohio, the average household income limit for a USDA loan is about $119,850 a year, and for a family of 5 or more the limit can be as high as $194,600. Plus, USDA loans require no down payment or qualifying assets, and their competitive fixed interests rates mean that your payments won’t increase. Curious to learn more? Fill out the form above to get in touch with one of our USDA loan specialists and find out how you can take the first step toward your new home.
This map shows the areas of Ohio eligible for USDA loans. To find out more about qualifying areas of the state, check out the USDA property eligibility screen.
Ohio USDA Income Limits (Moderate Income – Guaranteed Loan)
Most Ohio counties follow the standard USDA income limit, with select metro areas offering higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Limit (Most OH Counties) | $119,850 | $158,250 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $128,600 | $169,800 |
| Columbus, OH HUD Metro FMR Area | $125,350 | $165,500 |
| Union County, OH HUD Metro FMR Area | $147,400 | $194,600 |
| Ottawa County, OH HUD Metro FMR Area | $120,600 | $159,200 |
| Putnam County, OH | $124,050 | $163,750 |
Important: USDA income limits are based on total household income — including income from all adult household members — not just the borrower(s).
If your total household income is within your area’s limit and the property is in a USDA-eligible location, you may qualify for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your Ohio USDA Eligibility
USDA loans are available in eligible rural and suburban areas across Ohio. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-approved area
- Provide a fast payment estimate
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, property location, and USDA program guidelines.
- NO down payment – Finance 100% of your home
- NO maximum loan amount in Ohio.
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Ohio USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Ohio
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
