Shelby County Ohio USDA Loan

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

The USDA has zoned all of Shelby County, Ohio as geographically eligible for their USDA Rural Development Loan Program, including the largest town and county seat of Sidney. Other larger towns in Seneca County, Ohio that are eligible for the No Down Payment USDA Mortgage Program include Anna, Botkins, Minster, Jackson Center, and Fort Loramie.

USDA Eligible Areas in Shelby County, Ohio

 

USDA Eligible Towns

  • Anna

  • Botkins

  • Fort Loramie

  • Houston

  • Jackson Center

  • Kettlersville

  • Kirkwood

  • Lockington

  • Maplewood

  • McCartyville

  • Montra

  • Mount Jefferson

  • Newport

  • Pemberton

  • Port Jefferson

  • Russia

  • Sidney

  • St. Patrick

  • Swanders

  • Tawawa

  • Uno

  • all other areas

 

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

Shelby 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)