Allen County, Ohio USDA Mortgage

What areas of Allen County, Ohio are eligible for the Rural Development USDA Mortgage Program?

The only area of Allen County, Ohio that is not eligible for the USDA Rural Development Loan Program is the area around Lima running east of I-75 down to Fort Shawnee. The majority of Allen County, Ohio is geographically eligible area for the No Down Payment USDA Mortgage Program, including the larger towns of Delphos, Spencerville, and Bluffton.

USDA Eligible Areas in Allen County, Ohio

 

Eligible Cities & Towns

  • Delphos

  • Beaverdam

  • Bluffton

  • Cairo

  • Elida

  • Harrod

  • Lafayette

  • all other areas

 

Note: This list is an indicator of USDA Eligible Areas for Allen County, Ohio but does not necessarily include every possible eligible area. If you live in a rural area of Allen County, Ohio then you are located in a USDA eligible area for a Rural Development - No Down Payment - USDA mortgage.

Allen County, Ohio USDA Household Income Limits 

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If it appears your household income is too high, you may still qualify. The Ohio USDA Program allows for several deductions of expenses which may help your Household Income to fit within their Maximum Adjusted Income Guidelines.   

Deductions that lower your calculated USDA Household Income

 

  • $480 for every minor child residing in the household

  • $480 for every student living in the home who is not on the mortgage application

  • $400 for every disabled member of the household who is listed on the mortgage application

  • Documented Child Care Expenses for household members ages 12 and under

  • Documented Disability and Medical Expenses for members of the household aged 62 or older. This deduction is allowed only if this expense is more than 3% of the household income)