Adams County Ohio USDA Mortgage

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

The USDA has zoned all of Adams County, Ohio as geographically eligible for their USDA Rural Development Loan Program. The largest towns in Adams County, Ohio that are eligible for a USDA Loan include Peebles, Winchester, Manchester and the county seat of West Union.

USDA Eligible Areas in Adams County, Ohio

 

  • Bacon Flat

  • Beasley Fork

  • Beaver Pond

  • Bentonville

  • Blue Creek

  • Bradysville

  • Catbird

  • Cedar Mills

  • Cherry Fork

  • Clayton

  • Dunkinsville

  • Eckmansville

  • Emerald

  • Fairview

  • Fawcett

  • Grooms

  • Harshaville

  • Jacksonville

  • Jaybird

  • Jessup

  • Jones Corner

  • Lawshe

  • Locust Grove

  • Louden

  • Louisville

  • Lynx

  • Manchester

  • Marble Furnace

  • May Hill

  • Mineral Springs

  • Panhandle

  • Peebles

  • Pine Gap

  • Rockville

  • Sandy Springs

  • Scrub Ridge

  • Seaman

  • Selig

  • Smoky Corners

 

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

Adams 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)