Lorain County, Ohio USDA Mortgage

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

The area of Lorain County that is not eligible is the area along Lake Erie south to around the Ohio Turnpike. Most of central Lorain County is eligible and all of southern Lorain County is eligible.

Some of the larger towns of Lorain County, Ohio that are eligible for the Rural Development USDA Mortgage Program include Oberlin, Wellington, and Grafton.

USDA Eligible Areas in Lorain County, Ohio

 

Eligible Cities & Towns

  • Belden

  • Brentwood Lake

  • Brighton

  • Camden

  • Chatham

  • Columbia Center

  • Eaton Estates

  • Grafton

  • Henrietta

  • Huntington

  • Kipton

  • Lagrange

  • Laporte (parts)

  • North Eaton

  • Oberlin

  • Penfield

  • Pittsfield

  • South Amherst

  • Rochester

  • Wellington

  • all other rural areas

 

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

Lorain 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)