Licking County Ohio USDA Mortgage

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

The only area of Licking County, Ohio that is not eligible for the USDA Rural Development Loan program is the area right around the largest city and county seat of Newark. Just outside of Newark, the rest of Licking County, Ohio is geographically eligible for the No Down Payment USDA Mortgage Program.

Some of the larger towns of Licking County, Ohio that are eligible for the Rural Development USDA Mortgage Program include Pataskala, Beechwood Trails, Buckeye Lake, Granville, Hebron, Johnstown, and Utica.

USDA Eligible Areas in Licking County, Ohio

 

Eligible Cities & Towns

  • Alexandria

  • Beechwood Trails

  • Brownsville

  • Buckeye Lake

  • Etna

  • Granville

  • Granville South

  • Gratiot

  • Hanover

  • Harbor Hills

  • Hartford

  • Hebron

  • Johnstown

  • Kirkersville

  • Marne

  • Pataskala

  • St. Louisville

  • Utica

  • all other rural areas

 

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

Licking 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)