Portage County Ohio USDA Loan

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

Most of Portage County, Ohio is geographically eligible for the USDA Rural Development Loan program. The towns of Portage County, Ohio that are eligible for the No Down Payment USDA Mortgage Program includes Aurora, Streetsboro, Farmersville, Garrettsville, Mantua, Rootstown, and Hiram.

What areas of Portage County, Ohio are not eligible for the Rural Development USDA Mortgage Program?

The western edge of the county that is included in the Kent metro area is not eligible. The area along Route 59 from Kent to Ravenna is not eligible. Around Charlestown, the area around Route 59 becomes eligible again.

 
 

USDA Eligible Areas in Portage County, Ohio

 

Eligible Cities & Towns

  • Aurora

  • Charlestown Township

  • Diamond

  • Farmersville

  • Garrettsville

  • Hiram

  • Mantua

  • Randolph Township

  • Rootstown

  • Streetsboro

  • Sugar Bush Knolls

  • Wayland

  • Windham

  • all other rural areas

 

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

Portage 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)