Miami County, Ohio USDA Mortgage
What areas of Miami County, Ohio are eligible for the Rural Development USDA Mortgage Program?
Two areas of Miami County, Ohio are not eligible for the USDA Rural Development Loan program: the cities of Troy and Piqua. Shortly outside of these two cities, the rest of the county is USDA eligible.
The largest towns of Miami County, Ohio that are eligible for the No Down Payment USDA Mortgage Program include Tipp City, Covington, Bradford, West Milton, and sections of Clayton.
USDA Eligible Areas in Miami County, Ohio
Eligible Cities & Towns
Bradford
Casstown
Clayton (parts)
Conover
Covington
Cowlesville
Farrington
Fletcher
Huber City
Laura
Ludlow Falls
Pleasant Hill
Potsdam
Staunton (parts)
Tipp City
Union
West Milton
all other rural areas
Note: This list is an indicator of USDA Eligible Areas for Miami County, Ohio but does not necessarily include every possible eligible area. If you live in a rural area of Miami County, Ohio then you are located in a USDA eligible area for a Rural Development - No Down Payment - USDA mortgage.
Miami County, Ohio USDA Household Income Limits
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)