Warren County Ohio USDA Loan

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

Most of Warren County, Ohio is geographically eligible for the USDA Rural Development Loan program. Some of the larger towns of Warren County, Ohio that are eligible for the No Down Payment USDA Mortgage Program includes Monroe, Waynesville, Maineville, Five Points, Morrow, and South Lebanon.

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

Parts of both the Cincinnati metro area and the Dayton metro area encroach into Warren County, which makes substantial sections of both the southwest corner near Cincinnati and the northwest corner near Dayton as ineligible for the USDA Rural Development Program. The county seat of Lebanon in the middle of the county is also ineligible due to its population density. Outside of these areas, the rest of Warren County becomes eligible for the No Down Payment Rural Development Loan Program, especially the eastern portions of the county.

 
 

USDA Eligible Areas in Warren County Ohio

 

Eligible Cities & Towns

  • Blackhawk

  • Five Points

  • Genntown

  • Harveysburg

  • Maineville

  • Middleboro

  • Monroe

  • Morrow

  • Oregonia

  • Pleasant Plain

  • South Lebanon

  • Waynesville

  • all other rural areas

 

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

Warren 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)