Delaware County, Ohio USDA Mortgage

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

Delaware County and its close proximity to Columbus does create some areas that are ineligible for the USDA Rural Development Program. The city of Delaware and the area of Delaware County that borders the Columbus metropolitan area are considered too heavily populated and are not eligible. Once you leave these two areas, the rest of Delaware County becomes geographically eligible area for the No Down Payment USDA Mortgage Program, including the larger towns of Sunbury, Ashley, and Galena.

 
 

USDA Eligible Areas in Delaware County, Ohio

 

Eligible Cities & Towns

  • Ashley

  • Bellepoint

  • Berkshire

  • Brindle Corner

  • Center Village

  • Condit

  • East Liberty

  • Galena (parts)

  • Harlem

  • Kilbourne

  • Leonardsburg

  • Norton

  • Ostrander

  • Radnor

  • Rathbone

  • Robertsburg

  • Rome

  • Sandy Hill

  • Stark Corners

  • Sunbury

  • Troyton

  • Warrensburg

  • West Berlin

  • White Sulphuric

  • all other areas

 

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

Delaware County, Ohio USDA Household Income Limits 

Copy of county income chart.jpg

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)