Hamilton County Ohio USDA Mortgage

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

As home to Cincinnati and its large metropolitan area, most of Hamilton County, Ohio is not eligible for the USDA Rural Development Loan program.

A small patch of land west of the Miami River is eligible for the No Down Payment USDA Mortgage Program. The Hamilton County, Ohio towns that are eligible for the USDA Mortgage program includes New Haven, Blue Jay, New Baltimore, parts of Miamitown, Hooven, and Elizabethtown.

USDA Eligible Areas in Hamilton County, Ohio

 

Eligible Cities & Towns

  • Blue Jay

  • Elizabethtown

  • Fernald

  • Hooven

  • Miamitown

  • New Baltimore (parts)

  • New Haven

  • Valley Junction

  • all other rural areas

 

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

Hamilton County, Ohio USDA Household Income Limits 

county income chart - 118K.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)