Ohio FHA Loan Limits

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$331,760$424,800$513,450$638,100
ALLENLIMA, OH$331,760$424,800$513,450$638,100
ASHLANDASHLAND, OH$331,760$424,800$513,450$638,100
ASHTABULAASHTABULA, OH$331,760$424,800$513,450$638,100
ATHENSATHENS, OH$331,760$424,800$513,450$638,100
AUGLAIZEWAPAKONETA, OH$331,760$424,800$513,450$638,100
BELMONTWHEELING, WV-OH$331,760$424,800$513,450$638,100
BROWNCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BUTLERCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
CARROLLCANTON-MASSILLON, OH$331,760$424,800$513,450$638,100
CHAMPAIGNURBANA, OH$331,760$424,800$513,450$638,100
CLARKSPRINGFIELD, OH$331,760$424,800$513,450$638,100
CLERMONTCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
CLINTONWILMINGTON, OH$331,760$424,800$513,450$638,100
COLUMBIANASALEM, OH$331,760$424,800$513,450$638,100
COSHOCTONCOSHOCTON, OH$331,760$424,800$513,450$638,100
CRAWFORDBUCYRUS-GALION, OH$331,760$424,800$513,450$638,100
CUYAHOGACLEVELAND-ELYRIA, OH$331,760$424,800$513,450$638,100
DARKEGREENVILLE, OH$331,760$424,800$513,450$638,100
DEFIANCEDEFIANCE, OH$331,760$424,800$513,450$638,100
DELAWARECOLUMBUS, OH$373,750$478,450$578,350$718,750
ERIESANDUSKY, OH$331,760$424,800$513,450$638,100
FAIRFIELDCOLUMBUS, OH$373,750$478,450$578,350$718,750
FAYETTEWASHINGTON COURT HOUSE, OH$331,760$424,800$513,450$638,100
FRANKLINCOLUMBUS, OH$373,750$478,450$578,350$718,750
FULTONTOLEDO, OH$331,760$424,800$513,450$638,100
GALLIAPOINT PLEASANT, WV-OH$331,760$424,800$513,450$638,100
GEAUGACLEVELAND-ELYRIA, OH$331,760$424,800$513,450$638,100
GREENEDAYTON-KETTERING, OH$331,760$424,800$513,450$638,100
GUERNSEYCAMBRIDGE, OH$331,760$424,800$513,450$638,100
HAMILTONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
HANCOCKFINDLAY, OH$331,760$424,800$513,450$638,100
HARDINNON-METRO$331,760$424,800$513,450$638,100
HARRISONNON-METRO$331,760$424,800$513,450$638,100
HENRYNON-METRO$331,760$424,800$513,450$638,100
HIGHLANDNON-METRO$331,760$424,800$513,450$638,100
HOCKINGCOLUMBUS, OH$373,750$478,450$578,350$718,750
HOLMESNON-METRO$331,760$424,800$513,450$638,100
HURONNORWALK, OH$331,760$424,800$513,450$638,100
JACKSONJACKSON, OH$331,760$424,800$513,450$638,100
JEFFERSONWEIRTON-STEUBENVILLE, WV-OH$331,760$424,800$513,450$638,100
KNOXMOUNT VERNON, OH$331,760$424,800$513,450$638,100
LAKECLEVELAND-ELYRIA, OH$331,760$424,800$513,450$638,100
LAWRENCEHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
LICKINGCOLUMBUS, OH$373,750$478,450$578,350$718,750
LOGANBELLEFONTAINE, OH$331,760$424,800$513,450$638,100
LORAINCLEVELAND-ELYRIA, OH$331,760$424,800$513,450$638,100
LUCASTOLEDO, OH$331,760$424,800$513,450$638,100
MADISONCOLUMBUS, OH$373,750$478,450$578,350$718,750
MAHONINGYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$331,760$424,800$513,450$638,100
MARIONMARION, OH$331,760$424,800$513,450$638,100
MEDINACLEVELAND-ELYRIA, OH$331,760$424,800$513,450$638,100
MEIGSNON-METRO$331,760$424,800$513,450$638,100
MERCERCELINA, OH$331,760$424,800$513,450$638,100
MIAMIDAYTON-KETTERING, OH$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYDAYTON-KETTERING, OH$331,760$424,800$513,450$638,100
MORGANNON-METRO$331,760$424,800$513,450$638,100
MORROWCOLUMBUS, OH$373,750$478,450$578,350$718,750
MUSKINGUMZANESVILLE, OH$331,760$424,800$513,450$638,100
NOBLENON-METRO$331,760$424,800$513,450$638,100
OTTAWATOLEDO, OH$331,760$424,800$513,450$638,100
PAULDINGNON-METRO$331,760$424,800$513,450$638,100
PERRYCOLUMBUS, OH$373,750$478,450$578,350$718,750
PICKAWAYCOLUMBUS, OH$373,750$478,450$578,350$718,750
PIKENON-METRO$331,760$424,800$513,450$638,100
PORTAGEAKRON, OH$331,760$424,800$513,450$638,100
PREBLENON-METRO$331,760$424,800$513,450$638,100
PUTNAMNON-METRO$331,760$424,800$513,450$638,100
RICHLANDMANSFIELD, OH$331,760$424,800$513,450$638,100
ROSSCHILLICOTHE, OH$331,760$424,800$513,450$638,100
SANDUSKYFREMONT, OH$331,760$424,800$513,450$638,100
SCIOTOPORTSMOUTH, OH$331,760$424,800$513,450$638,100
SENECATIFFIN, OH$331,760$424,800$513,450$638,100
SHELBYSIDNEY, OH$331,760$424,800$513,450$638,100
STARKCANTON-MASSILLON, OH$331,760$424,800$513,450$638,100
SUMMITAKRON, OH$331,760$424,800$513,450$638,100
TRUMBULLYOUNGSTOWN-WARREN-BOARDMAN, OH-PA$331,760$424,800$513,450$638,100
TUSCARAWASNEW PHILADELPHIA-DOVER, OH$331,760$424,800$513,450$638,100
UNIONCOLUMBUS, OH$373,750$478,450$578,350$718,750
VAN WERTVAN WERT, OH$331,760$424,800$513,450$638,100
VINTONNON-METRO$331,760$424,800$513,450$638,100
WARRENCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
WASHINGTONMARIETTA, OH$331,760$424,800$513,450$638,100
WAYNEWOOSTER, OH$331,760$424,800$513,450$638,100
WILLIAMSNON-METRO$331,760$424,800$513,450$638,100
WOODTOLEDO, OH$331,760$424,800$513,450$638,100
WYANDOTNON-METRO$331,760$424,800$513,450$638,100

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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