Wood County Ohio USDA Loan

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

Most of Wood County, Ohio is geographically eligible for the USDA Rural Development Loan program. Some of the larger towns of Wood County, Ohio that are eligible for the No Down Payment USDA Mortgage Program includes Walbridge, Fostoria, North Baltimore, Pemberville, Grand Rapids, Weston, and Milbury.

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

There are two separate areas of Wood County that are not eligible: the city of Bowling Green and the city of Perrysburg. As part of the census maps, the city of Perrysburg has been included in the Toledo metro area. USDA eligible areas are available just outside of these two areas and the majority of Wood County, Ohio is eligible for the No Down Payment Rural Development Loan Program.

USDA Eligible Areas in Wood County, Ohio

 

Eligible Cities & Towns

  • Bairdstown

  • Bloomdale

  • Bloom Center

  • Bradner

  • Cloverdale

  • Custar

  • Cygnet

  • Dowling

  • Fostoria

  • Grand Rapids

  • Haskins

  • Hoytville

  • Jerry City

  • Lemoyne

  • Lucky

  • Milbury

  • Milton Center

  • Moline

  • North Baltimore

  • Pemberville

  • Perry Center

  • Portage

  • Risingsun

  • Tontogany

  • Walbridge

  • Wayne

  • West Millgrove

  • Weston

  • Wingston

  • Woodside

  • all other rural areas

 

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

Wood 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)