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Ohio's USDA Homes for Sale

A huge portion of Ohio's territory is designated as qualified by The Guaranteed Rural Housing Program (USDA) for purchasing homes with no down payment.

We made it easy to find these homes, simply click a county and then you can browse those communities and their listings. You can also request a USDA no money down home loan on this page, and then shop for homes.

USDA homes; professional help

USDA homes are really no different than any other home; traditional, foreclosure, HUD or otherwise. They just fall into an area with a population under 25,000 that is considered rural enough by the USDA. For more information on any home, simply click "inquire" or "schedule a showing", and a professional buyer's agent, a licensed Ohio Realtor local to the area will respond and answer any questions or provide further details.

Buyer's agents services are free to buyers, and it's wise to have professional representation when buying a home to save money, but also to make sure your interests are being protected. It is their legal and ethical responsibility to protect you and save you money. You wouldn't go to court without a lawyer would you? Buying a home is not like buying a car, and the consequences of making a mistake can be very costly. Put the power of the experts on your side.

USDA Home Loans

USDA financing is a type of loan offered by most lenders, our preferred lending partners can perform these loans and get your approved quickly. Outside of the credit scores required, there are income limits that most families easily meet. Getting pre-approved is a very important first step, as you can't make an offer without including this necessary document. Start today and request approval for a USDA loan, even if you have credit concerns, we can help. For assistance estimating a house payment, use our mortgage calculator which includes PMI and residential taxes.

To come back to this page, just click on the Ohio Homes No Money Down Link at the top of our site.

Thank you for visiting us today! Home Experts Realty.


Ohio Homes With No Money Down


usda-homes-for-sale-in-ohio-no-money-downTo get a home with no money down, you need to know two things:

1) Does the area you want to buy in qualify? If you are in a USDA designated area, the answer to both questions is yes. Begin your property search by choosing a county listed below. (We have selected qualified communities.)

2) Can you really buy a home with no money down? Read about eligibility requirements here. Request a No Money Down Loan.

View USDA Homes by county, or read more about the program for Guaranteed Rural Housing Loans.


Guaranteed Rural Housing Loans (USDA) Rural Development

Ohio has been a leader nationally in utilizing the Guaranteed Rural Housing program. The combination of no down payment required and lower mortgage insurance premiums, with competitive 30 year fixed rates, makes Guaranteed Rural Housing an attractive source of financing.

Buy an Ohio home with no money down and keep your hard earned money in your pocket. Home Experts Realty and our lenders have helped countless buyers achieve the dream of home ownership through no money down programs. Buyers will be pleased to know that homes purchased with USDA no money down financing have lower monthly mortgage payments than homes purchased with FHA loans of 3.5% down payment.

Yes! I need a no money down home loan.

home-loan-services-home-experts-realtyThere are two things a buyer needs to buy a home with no down payment. First, you need pre-approval for a No Money Down home loan. Second, you need a home that qualifies.

The counties in the above table, and the sub-community pages in each county, fall into current qualified USDA no money down designated areas. Please allow one business day for a response to pre-approval requests from Home Loan Services. It's best to have a pre-approval prior to requesting showings as no offer on a home can be submitted without a pre-approval letter from a lender. Fill out the form below today to request no money down financing.

Request a No Down Payment Home Loan today! Don't let the perfect home slip through your fingers. Use the form below to request your no money down loan today. Would you you like to learn more about qualifying for homes with no money down?

*Your information will never be shared with a third party.

Home Loan Request Form

* Indicates a Required Field.

Your Contact Information
Credit Information


For No money down eligibility, applicants must:

  • Have an adequate and dependable income.
  • Be a U.S. citizen, qualified alien, or be legally admitted to the United States as a permanent resident.
  • Have an adjusted annual household income that does not exceed moderate income limits established in those areas. A family's income includes total gross income of applicants, co-applicants, and any other adults in the household. Eligible applicants may make certain adjustments to gross income - such as annual child care expenses and $480 per each minor child in order to qualify. USDA field offices provide information on moderate income limits in areas that fall within their respective jurisdictions on calculating household income. For No money down financing income requirements, you can visit:
  • Have a credit history indicating an ability to meet obligations when due. No money down repayment ability is based on these ratios: Principle, Interest, Taxes, and Insurance (PITI) divided by gross monthly income must be equal to, or less than, 29 percent. Total debt divided by gross monthly income must be equal to, or less than, 41 percent.

Homes That Qualify for no money down:

  • Guaranteed no money down loans can be made on either new or existing homes.
  • Existing homes for no money down financing must be structurally sound, functionally adequate, and in good repair.
  • There are no restrictions on the size or design of homes financed with the Guaranteed Rural Housing Program.
  • Homes purchased with this type of financing must not be used for income-producing purposes.
  • For no money down, homes must be located in rural areas. Rural areas include open country and places with a population of 10,000 or less and, under certain conditions, towns and cities with between 10,000 and 25,000 residents. Top
Highlights of USDA Guaranteed Rural Housing Loan Program and No Money Down Assistance
  • No down payment loans may be for up to 100 percent (103.5 percent if the guarantee fee is included in the loan) of appraised value or acquisition cost, whichever is less. Again, no money down is required.
  • Mortgages are 30-year fixed rate at market interest rates. No money down loans may include funds for closing costs, the guarantee fee, legal fees, title services, cost of establishing an escrow account, and other pre-paid items. If the appraised value is higher than sales price, sellers may contribute to the buyer's closing costs on these transactions.
  • Home buyers who wish to apply for no money down loans, can do so by filling out the form above.
  • Buyers must personally occupy a home purchased with no down payment following the purchase.
  • No money down loans may be made to refinance either existing USDA Rural Development Guaranteed housing loans or our Section 502 Direct housing loans.
  • For no down payment loans, a one-time guarantee fee equal to 3.5 percent of your loan amount is charged to lenders. Charges for refinance loans is 1.0 percent. Typically, lenders pass this expense on to borrowers as a closing cost. After a one-time fee is paid, there is no recurring monthly expense charged for guaranteed no money down loans;
  • Closed no money down loans have secondary market acceptability with: Freddie Mac, Fannie Mae, Ginnie Mae pools, and many state housing finance agencies.
  • Guaranteed Rural Housing loans are subject to the provisions of the Civil Rights statutes, including the Equal Credit Opportunity Act.

Not sure if you're eligible for a no money down home? We're happy to help you find out. Don't hesitate to contact us with any questions you have about USDA homes or the Rural Housing Loan Program.

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