FHA VS Conventional loan programs in 2026 for Athens, Athens County, Ohio
For 2026, the Conventional loan limit in Athens, county of Athens, OH is set at $726,200, while for a single-family home, the FHA limit is $472,030.
Use the Lendersa® Conventional loan calculator to explore today's best rates for Conventional, FHA, and USDA loans, and determine the necessary income, credit, reserves, and documents for qualification. The advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans one next to the other, assisting you in selecting the program in OH that best fits your financial circumstances.
2026 Loan Limits & Down Payment Requirements in Athens, Athens, OH
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 45701
Available Conventional and FHA Loan Options in Athens, OH
Lendersa® is committed to delivering the best possible Conventional, USDA, or FHA loans quickly and conveniently. You can choose from one of three starting points to connect with matched lenders and loan programs.
In 1963, there were no locally owned banks in Athens County. Six forward thinking area business professionals saw a need and came together to start an independent community bank based in Athens. On August 12, 1963, Hocking Valley Bank opened its doors for business. More than 50 years later, we are still committed to local leadership
Ohio University Credit Union has been open since 1955. It's the 18th largest credit union in Ohio with assets totaling $476.96 Million and providing banking services to more than 26, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans
Established in 1904, Farmers Bank knows what it takes to sustain a healthy, thriving community. We are passionate about helping individuals, groups, team, organizations, causes and more. As we grow, so does our effort to infuse the neighborhoods that make our communities – and our people – very unique and unquestionably great.
At Vinton County National Bank we are proud of our long history and excited about our promising future. Founded in McArthur, Ohio in 1867, we are a Bauer Financial 5-Star Rated Financial Institution. Since our founding in a small town storefront 153 years ago, we have shown tremendous growth and prosperity.
First Mutual Bank is focused on helping you, our customers, and creating vibrant communities in the Mid-Ohio Valley Region. Being depositor-owned also means we are accountable to our customers, not shareholders. Deposit dollars are reinvested in our communities, and collectively we strengthen and help the local economy thrive.
The Waterford Bank is a consumer, community oriented, independent bank providing quality service to our customers. The bank operates in a rural community with other financial institutions in close proximity. The goals of the bank are to give an ROA of one percent after funding capital and equipment projects
Citizens National Bank of McConnelsville was founded in 1886. Located in the historic Stanbery Building in downtown McConnelsville, CNB has been a central part of our community for over 125 years. While banking has undergone many changes over the last century, CNB continues to provide its customers with the latest banking technology
