What are FHA Loan Limits in Ohio?

FHA loans are a low down payment mortgage program and Ohio FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Ohio are set at the floor amount of $275,665 across almost the entire state.

Ohio FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSNON-METRO$275,665$352,950$426,625$530,150
ALLENLIMA, OH$275,665$352,950$426,625$530,150
ASHLANDASHLAND, OH$275,665$352,950$426,625$530,150
ASHTABULAASHTABULA, OH$275,665$352,950$426,625$530,150
ATHENSATHENS, OH$275,665$352,950$426,625$530,150
AUGLAIZEWAPAKONETA, OH$275,665$352,950$426,625$530,150
BELMONTWHEELING, WV-OH$275,665$352,950$426,625$530,150
BROWNCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
BUTLERCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
CARROLLCANTON-MASSILLON, OH$275,665$352,950$426,625$530,150
CHAMPAIGNURBANA, OH$275,665$352,950$426,625$530,150
CLARKSPRINGFIELD, OH$275,665$352,950$426,625$530,150
CLERMONTCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
CLINTONWILMINGTON, OH$275,665$352,950$426,625$530,150
COLUMBIANASALEM, OH$275,665$352,950$426,625$530,150
COSHOCTONCOSHOCTON, OH$275,665$352,950$426,625$530,150
CRAWFORDBUCYRUS, OH$275,665$352,950$426,625$530,150
CUYAHOGACLEVELAND-ELYRIA, OH$275,665$352,950$426,625$530,150
DARKEGREENVILLE, OH$275,665$352,950$426,625$530,150
DEFIANCEDEFIANCE, OH$275,665$352,950$426,625$530,150
DELAWARECOLUMBUS, OH$326,600$418,100$505,400$628,050
ERIESANDUSKY, OH$275,665$352,950$426,625$530,150
FAIRFIELDCOLUMBUS, OH$326,600$418,100$505,400$628,050
FAYETTEWASHINGTON COURT HOUSE, OH$275,665$352,950$426,625$530,150
FRANKLINCOLUMBUS, OH$326,600$418,100$505,400$628,050
FULTONTOLEDO, OH$275,665$352,950$426,625$530,150
GALLIAPOINT PLEASANT, WV-OH$275,665$352,950$426,625$530,150
GEAUGACLEVELAND-ELYRIA, OH$275,665$352,950$426,625$530,150
GREENEDAYTON, OH$275,665$352,950$426,625$530,150
GUERNSEYCAMBRIDGE, OH$275,665$352,950$426,625$530,150
HAMILTONCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
HANCOCKFINDLAY, OH$275,665$352,950$426,625$530,150
HARDINNON-METRO$275,665$352,950$426,625$530,150
HARRISONNON-METRO$275,665$352,950$426,625$530,150
HENRYNON-METRO$275,665$352,950$426,625$530,150
HIGHLANDNON-METRO$275,665$352,950$426,625$530,150
HOCKINGCOLUMBUS, OH$326,600$418,100$505,400$628,050
HOLMESNON-METRO$275,665$352,950$426,625$530,150
HURONNORWALK, OH$275,665$352,950$426,625$530,150
JACKSONJACKSON, OH$275,665$352,950$426,625$530,150
JEFFERSONWEIRTON-STEUBENVILLE, WV-OH$275,665$352,950$426,625$530,150
KNOXMOUNT VERNON, OH$275,665$352,950$426,625$530,150
LAKECLEVELAND-ELYRIA, OH$275,665$352,950$426,625$530,150
LAWRENCEHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
LICKINGCOLUMBUS, OH$326,600$418,100$505,400$628,050
LOGANBELLEFONTAINE, OH$275,665$352,950$426,625$530,150
LORAINCLEVELAND-ELYRIA, OH$275,665$352,950$426,625$530,150
LUCASTOLEDO, OH$275,665$352,950$426,625$530,150
MADISONCOLUMBUS, OH$326,600$418,100$505,400$628,050
MAHONINGYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$275,665$352,950$426,625$530,150
MARIONMARION, OH$275,665$352,950$426,625$530,150
MEDINACLEVELAND-ELYRIA, OH$275,665$352,950$426,625$530,150
MEIGSNON-METRO$275,665$352,950$426,625$530,150
MERCERCELINA, OH$275,665$352,950$426,625$530,150
MIAMIDAYTON, OH$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYDAYTON, OH$275,665$352,950$426,625$530,150
MORGANNON-METRO$275,665$352,950$426,625$530,150
MORROWCOLUMBUS, OH$326,600$418,100$505,400$628,050
MUSKINGUMZANESVILLE, OH$275,665$352,950$426,625$530,150
NOBLENON-METRO$275,665$352,950$426,625$530,150
OTTAWAPORT CLINTON, OH$275,665$352,950$426,625$530,150
PAULDINGNON-METRO$275,665$352,950$426,625$530,150
PERRYCOLUMBUS, OH$326,600$418,100$505,400$628,050
PICKAWAYCOLUMBUS, OH$326,600$418,100$505,400$628,050
PIKENON-METRO$275,665$352,950$426,625$530,150
PORTAGEAKRON, OH$275,665$352,950$426,625$530,150
PREBLENON-METRO$275,665$352,950$426,625$530,150
PUTNAMNON-METRO$275,665$352,950$426,625$530,150
RICHLANDMANSFIELD, OH$275,665$352,950$426,625$530,150
ROSSCHILLICOTHE, OH$275,665$352,950$426,625$530,150
SANDUSKYFREMONT, OH$275,665$352,950$426,625$530,150
SCIOTOPORTSMOUTH, OH$275,665$352,950$426,625$530,150
SENECATIFFIN, OH$275,665$352,950$426,625$530,150
SHELBYSIDNEY, OH$275,665$352,950$426,625$530,150
STARKCANTON-MASSILLON, OH$275,665$352,950$426,625$530,150
SUMMITAKRON, OH$275,665$352,950$426,625$530,150
TRUMBULLYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$275,665$352,950$426,625$530,150
TUSCARAWASNEW PHILADELPHIA-DOVER, OH$275,665$352,950$426,625$530,150
UNIONCOLUMBUS, OH$326,600$418,100$505,400$628,050
VAN WERTVAN WERT, OH$275,665$352,950$426,625$530,150
VINTONNON-METRO$275,665$352,950$426,625$530,150
WARRENCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
WASHINGTONMARIETTA, OH$275,665$352,950$426,625$530,150
WAYNEWOOSTER, OH$275,665$352,950$426,625$530,150
WILLIAMSNON-METRO$275,665$352,950$426,625$530,150
WOODTOLEDO, OH$275,665$352,950$426,625$530,150
WYANDOTNON-METRO$275,665$352,950$426,625$530,150

Ohio FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Ohio FHA Limits Set?

Ohio FHA Loan LimitsMortgage limits for Ohio FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Ohio FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Ohio is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Ohio is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Ohio FHA loan limits are set above the nationwide floor amount in Cleveland, Columbus, Cincinnati and surrounding areas. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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