Ottawa County Ohio USDA Mortgage

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

The USDA has zoned all of Ottawa County, Ohio as geographically eligible for their USDA Rural Development Loan Program, including the the largest town and county seat of Port Clinton. Other towns in Ottawa County, Ohio that are eligible for the No Down Payment USDA Mortgage Program include Oak Harbor, Lakeside Marblehead, Genoa, and Elmore.

USDA Eligible Areas in Ottawa County, Ohio

 

Eligible Cities & Towns

  • Clay Center

  • Curtice

  • Elmore

  • Genoa

  • Gypsum

  • Lakeside

  • Marblehead

  • Oak Harbor

  • Port Clinton

  • Put-in-Bay

  • Rocky Ridge

  • Williston

  • all other areas

 

Note: This list is an indicator of USDA Eligible Areas for Ottawa County, Ohio but does not necessarily include every possible eligible area. All of Ottawa County, Ohio is geographically eligible for a Rural Development - No Down Payment - USDA mortgage.

Ottawa 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)