Scioto County Ohio USDA Loan

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

Most of Scioto County, Ohio is geographically eligible for the USDA Rural Development Loan program. Some of the larger towns of Scioto County, Ohio that are eligible for the No Down Payment USDA Mortgage Program includes Lucasville, Wheelersburg, and West Portsmouth.

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

The area in the very southern part of the county along the Ohio River from Portsmouth to Sciotoville is the only area in Scioto County, Ohio that is not eligible for the USDA Mortgage Program.

 
 

USDA Eligible Areas in Scioto County Ohio

 

Eligible Cities & Towns

  • Clarktown

  • McDermott

  • Minford

  • Otway

  • Rarden

  • Rosemount

  • Sciotodale

  • South Webster

  • West Portsmouth

  • Wheelersburg

  • all other rural areas

 

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

Scioto County, Ohio USDA Household Income Limits 

Income Table - 82K.png

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)