Explore the differences! FHA VS Conventional loan programs in Clayton, Montgomery County, Ohio

In 2026, the conventional loan limit in Clayton, spanning the county of Montgomery, OH, is set at $726,200, whereas the FHA limit for a single-family home amounts to $472,030.

Today's Conventional loan rates from Lendersa
Comparing loan calculators

Employ the Lendersa® Conventional loan calculator to examine today's most competitive rates among Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional loans, alongside USDA, FHA, and VA options, assisting you in selecting the optimal program in OH for your financial needs.

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Loan Limits and Downpayment Requirements for 2026 in Clayton, County of Montgomery, OH

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

This comparison table applies to the following zip codes: 45315

Discover Conventional and FHA Loan Possibilities in Clayton, OH

Lendersa® is dedicated to securing the ideal Conventional, USDA, or FHA loan for you, quickly and effortlessly. Start with one of three options that connect you with appropriate lenders and loan offerings.

  1. Submit a comprehensive request optimized for Conventional/USDA/FHA loans
  2. Access initial rates and terms for Conventional USDA, and FHA loans
  3. Search the largest database of conventional lenders
Results for Lendersa USDA loan requests



  • HUD Federal Credit Union
  • 451 7th Street SW, Suite 3241, Washington, DC, 20410

  • HUD Federal Credit Union (HUDFCU) is a not-for-profit financial cooperative headquartered in D.C. with current assets of just under $50 million and over 5, 600 members. Having supported the employees and families of those who work for the common purpose of Housing and Urban Development since 1936.

  • Department of Labor Federal Credit Union
  • 2 Massachusetts Avenue NE, Room 2665, Washington, DC, 20212

  • Welcome to DOLFCU, chartered in 1935 and to provide a full range of financial services to its members. We're a member-owned financial institution, serving employees and retirees of the U.S. Department of Labor and their families and many other eligible organizations. DOLFCU - Convenience. Trust. Security.

  • EP Federal Credit Union
  • 13th & C Streets SW, Room 215A, Washington, DC, 20228

  • The EP Federal Credit Union was originally chartered in 1935 by 10 employees of the Bureau of Engraving and Printing for the purpose of 'promoting thrift and providing a source of credit'​ for the employees there. During the late 1970's and 1980's, the credit union made several charter changes through mergers and expansions to include other organiz

  • All Capital Solutions LLC
  • 40 Raisin Tree Circle, Pikesville, MD, 20208

  • We are a leading direct residential mortgage broker in Maryland. Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rate. With over 15 years in the business and $400 Million in closed loans, we have the experience to help

  • Industrial Bank
  • 4812 Georgia Avenue NW, Washington, DC, 20011

  • "Founded on August 20, 1934, Industrial Bank is the oldest and largest African American owned commercial bank in the metropolitan Washington region.

    Since 1934, the bank has delivered essential banking and financial services that have contributed greatly to the growth and development of the Washington, D.C. community.

  • C&F Select LLC
  • 1 Park West Circle, Midlothian, VA, 23114

  • We strive to educate our borrowers so they completely understand their loan options and the mortgage process. We want them to have peace of mind knowing they are making a well-informed decision.Step-by-step, we interact with our clients throughout the transaction to help manage expectations. They know exactly what is going on with their loan.

  • Premier Community Bank
  • 108 Railroad Avenue, Bear Creek, WI, 54922

  • Our vision is how the world looks when the issues important to us are completely, perfectly addressed. Premier’s integrated financial solutions unlock the potential of our trusted partners’ dreams. Our team’s success is ultimately rooted in listening and our willingness to serve.

  • Genesee Valley Federal Credit Union
  • 4621 Millennium Drive, Geneseo, NY, 14454

  • At Genesee Valley Federal Credit Union, if you live, work, worship, go to school or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also, included are member's immediate family- grandparents, parents, step-parents, spouse children (including adopted and step), grandchildren and siblings (step-siblings).

  • Devlin Development Worldwide
  • 430 Windstone Trail, Alpharetta, GA, 30004

  • Devlin Development Worldwide: Financing Your Property Investment Dreams

    Devlin Development Worldwide facilitates nationwide hard money Loans to investors that are looking to purchase, rehab, fix and flip, fix and hold, residential and commercial properties from $50k to $20M.
    Contact us today to help close on your investment property.

  • Regent Mortgage Corporation
  • 980 Birmingham Road, Suite 501-356, Milton, GA, 30004

  • Regent Mortgage Corporation (RMC) is a Mortgage Company that prides itself on exceptional client service, competitive rates, and the delivery of customized home mortgage solutions the RIGHT way. We recognize this is a new era in mortgage lending and we’ve built our team, process and service delivery model with this in mind

  • Good Friend Mortgage Inc.
  • 902 Abbey Court, Alpharetta, GA, 30004

  • "Good Friend Mortgage is a residential home loan mortgage company that focuses on helping people build wealth through honest and transparent real estate financing in the Atlanta region, Georgia and Florida.
    Good Friend Mortgage was founded in 2004 by Deborah Switts in Roswell, GA."

  • Alan Christian Mortgage Team
  • 4005 Nine McFarland Dr, Suite 200, Alpharetta, GA, 30004

  • Buying a home is a big decision. You’re making a longterm investment to help secure your family’s future. You can count on Alan Christian Mortgage Team to help you through the process.We dedicate our many years of experience to providing clients the best loan opportunities in the market.
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