FHA VS Conventional loan programs in Ashland, Ashland County, Ohio

For 2026, in Ashland, county of Ashland, OH, the conventional loan limit is $726,200, while the FHA limit is set at $472,030 for a single-family residence.

Take advantage of Lendersa® Conventional loan calculator to evaluate today's best rates between Conventional, FHA, and USDA loans, and determine the income, credit, and reserves needed for qualification. Our advanced mortgage calculator provides side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, guiding you to choose the most suitable program for your finances in OH.

Explore loan offers from a broad network of 100 lenders

2026 loan limits and downpayment requirements in Ashland, county of Ashland, OH

Loan Type Loan Ceiling Required Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table compares data for zip codes: 44805

Conventional and FHA loan possibilities in Ashland, OH

The primary goal of Lendersa® is to quickly connect you with the best Conventional, USDA, or FHA loan options without inconvenience. Choose from three starting routes that align you with suitable lenders and programs.

Request and matching results for USDA loans from Lendersa


Ashland Lenders

  • Mechanics Bank
  • 2 South Main Street, Mansfield, OH, 44902
  • Lends in Ohio
  • Mechanics Bank is a full-service community bank in Richland County, Ohio. We’ve remained independently managed for over 136 years, and we’re proud to be the only bank in the county that can make that claim. Because what began in Mansfield in 1886 remains here—headquarters and all.

  • McGregor Mortgage, LLC
  • 13 Park Avenue West, Suite 307, Mansfield, OH, 44902
  • Lends in Ohio
  • McGregor Mortgage, LLC is committed to providing customer-minded mortgaging and was founded on the principles of bringing more mortgage options and products; always being available; establishing transparency with customers, realtors, and other business partners; delivering in an efficient manner

  • THA Mortgage
  • 28 Park Avenue West, Suite 601, Mansfield, OH, 44902
  • Lends in Ohio
  • THA Mortgage provides a variety of loan options and knowledge to help each customer understand and select the best loan program for their needs. We are here to help clients in all phases of life meet their financial and real estate goals.

    Integrity, innovation, partnership and collaboration are the core values that drive THA Mortgage

  • The Farmers Savings Bank
  • 111 West Main Street, Spencer, OH, 44275
  • Lends in Ohio
  • The Farmers Savings Bank is a branch office of The Farmers Savings Bank. They provide the following services: Full Service Office Location and are located at 111 West Main Street in Spencer Ohio.
    Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website

  • Westfield Bank, FSB
  • 2 Park Circle, Westfield Center, OH, 44251
  • Lends in Ohio
  • Established in 2001 and headquartered in Westfield Center, Ohio, Westfield Bank currently serves customers in Cuyahoga, Richland, Medina, Stark, Summit, and Wayne counties as well as insurance agencies across the country. We deliver financial roadmaps and solutions so families, businesses, and insurance agencies can thrive.

  • Wayne County Community Federal Credit Union
  • 311 Kaufman Drive, Smithville, OH, 44677
  • Lends in Ohio
  • Wayne County Community Federal Credit Union was officially organized on June 7, 1966 as the Wayne County School Employees Federal Credit Union. Seven very foresighted school employees (Sam Yelic, Charles Deane, Wayne Kornhaus, Neal Retherford, Fred Kloha, Russell Knight and Kenneth Barton) met on that June date

  • The Apple Creek Banking Company
  • 3 West Main Street, Apple Creek, OH, 44606
  • Lends in Ohio
  • The Apple Creek Banking Company opened its doors on
    February 1, 1904.
    Since then, we have grown $200 million in assets and six branches serving Wayne, Stark, Summit, and surrounding counties. We are owned by local shareholders, many of which are 3rd and 4th generation shareholders

  • Veritas Financial Group LLC
  • 1060 Ledge Road, Medina, OH, 44256
  • Lends in Ohio
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • COMMONWEALTH DIVERSIFIED LENDING
  • 5000 Gateway Drive, Medina, OH, 44256
  • Lends in Ohio
  • Our business specializes in making every client feel like family. For my clients with every challenge that may be put in front of me, it is just an obstacle to get over, so that my clients will meet there goals, whether it is buying a home, financial freedom, real estate investing, or buying a business.