Greene County Ohio USDA Mortgage

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

The northwest corner of Greene County approaching the Dayton metro area and the area around Xenia are both considered too densely populated for the USDA Rural Development Loan program. Outside of these two areas, the rest of Greene County, Ohio is eligible for the No Down Payment USDA Mortgage Program.

The towns of Montgomery County, Ohio that are eligible for the No Down Payment USDA Mortgage Program include Bellebrook, Cedarville, Jamestown, and Yellow Springs.

USDA Eligible Areas in Greene County, Ohio

 

Eligible Cities & Towns

  • Byron (parts)

  • Bellbrook

  • Bowersville

  • Byron (parts)

  • Cedarville

  • Clifton

  • Ferry

  • Gladstone

  • Goes Station

  • Jamestown

  • Maple Corner

  • Middleton Corner

  • New Jasper

  • Paintersville

  • Shawnee Hills

  • Spring Valley

  • Washington Mills

  • Wilberforce

  • all other rural areas

 

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

Greene County, Ohio USDA Household Income Limits 

Income Table - 82K.png

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)