FHA VS Conventional loan programs in Cincinnati, Hamilton County, Ohio

In the year 2025, the conventional loan limit for a single-family home in Cincinnati, Hamilton county, OH is $726,200, while the FHA limit is $472,030.

Try the Lendersa® Conventional loan calculator to view today's top rates for Conventional, FHA, and USDA loans. This tool helps ascertain the necessary income, credit, reserves, and paperwork needed for qualification. You can see the options for Conforming Conventional, USDA, FHA, and VA loans side by side, helping you pick the best program for your situation in OH.

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Loan limits and down payment requirements for 2025 in Cincinnati, Hamilton county, OH

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The table information applies to these zip codes: 45219, 45213, 45212, 45211, 45217, 45216, 45214, 45233, 45225, 45237, 45229, 45226, 45227, 45224, 45232, 45230, 45204, 45205, 45206, 45207, 45202, 45203, 45208, 45209, 45223, 45239, 45238, 45220, 45201, 45221, 45250, 45254, 45262, 45263, 45264, 45267, 45268, 45269, 45270, 45271, 45273, 45274, 45275, 45296, 45299

Available Conventional and FHA Loan Options in Cincinnati, OH

Lendersa® aims to swiftly match you with the best Conventional, USDA, or FHA loan option available, simplifying the process. Choose among three pathways to connect with suitable lenders and programs.

Lendersa USDA loan request and matching results


  • Infiniti Financial Group Inc
  • 1020 Milwaukee Avenue, Suite 230, Deerfield, IL, 60015
  • Our mortgage brokers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs. We take pride in treating our clients with honesty and integrity. We have many very happy costumers.
  • Cornerstone Residential Mortgage
  • 56 White Oak Road, Arden, NC, 28704
  • MortgageMatchMakers.com, we understand that for most people, a home is the single biggest purchase you will ever make. Yet most people shop around more for a pair of shoes! As an independent mortgage banker, we do the shopping for you. Our goal is to match you with the perfect mortgage.
  • Initial Mortgage, Inc.
  • 108 1st St, Suite 1, Batavia, IL, 60510
  • The Initial Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Village Bank & Trust, National Association
  • 234 W Northwest Hwy, Arlington Heights, IL, 60004
  • Village Bank & Trust offers banking solutions tailored to our customers, their needs, & our unique community. No matter what your financial need, we can help. But, we also go above and beyond basic banking solutions. We host financial education courses, hold community events. We believe a bank should be a true asset the area it serves.
  • Metro Federal Credit Union
  • 2440 E Rand Road, Arlington Heights, IL, 60004
  • METRO Federal Credit Union has provided financial services for almost 50 years. We were organized in 1973 by municipal employees who wanted financial services at lower costs than those supplied by banks or other savings institutions. As a community credit union, we serve portions of Cook, DuPage, Lake, and McHenry counties, in addition
  • Innovative Mortgage Inc
  • 2001 E Fremont Ct, Arlington Heights, IL, 60004
  • Innovative Mortgage Inc boosts your home-buying journey with top tier mortgage solutions, enhancing dreams with personalized services that suit every client's needs. Provide us with a few simple details and we’ll match you with a personal home financing specialist to help you on your home journey.
  • One Republic Mortgage
  • 725 E.Dundee Rd, Suite 201, Arlington Heights, IL, 60004
  • One Republic Mortgage Inc. was founded in 2008 as a broker of residential home loan purchases and refinances. But after the dramatic environmental shift the financial and real-estate sectors endured in recent history, we determined that we could better serve the community by converting into a lender.
  • Family Advantage Federal Credit Union
  • 615 West 7th Street, Columbia, TN, 38401
  • vantage Federal Credit Union is open to our community. Anyone who lives, works, worships or attends school in Maury or Williamson County is eFamily Advantage Federal Credit Union is open to our community. Family Advantage Federal Credit Union is located in the heart of Spring Hill and less than two miles from the General Motors.
  • Kelley Mortgage LLC
  • 105 E James Campbell Blvd, Suite 2, Columbia, TN, 38401
  • Kelley Mortgage, LLC has been in operation since 2007. Beginning in 1998, I worked for several different independent mortgage companies before founding this enterprise.Everyone has seen many changes the past several years, both good and bad, but Kelley Mortgage has been able to thrive in a tough environment.
  • The State Bank of Geneva
  • 22 South Fourth Street, Geneva, IL, 60134
  • The State Bank of Geneva is committed to being your first choice for financial services. We are locally owned and managed with experienced staff and management who are engaged and focused on excellence. Community banking at SBG means we know all our customers and provide the same products and services as our much larger brethren.