FHA VS Conventional loan in Dayton, Montgomery County, Ohio
In 2025, the conventional loan limit for Dayton, in Montgomery county, OH, is set at $726,200. On the other hand, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the current best rates for Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to examine Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding you in determining the best program for your financial situation in OH.
2025 Loan Limits and Down Payment Requirements in Dayton, Montgomery County, OH
Type of Loan
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to these zip codes: 45432, 45402, 45403, 45406, 45404, 45405, 45409, 45428, 45420, 45424, 45410, 45414, 45417, 45419, 45377, 45401, 45412, 45422, 45423, 45481, 45490
Loan Options for Conventional and FHA in Dayton, OH
Lendersa® aims to connect you with the best Conventional, USDA, or FHA loan options swiftly and effortlessly. You can select from three starting paths that lead to matching lenders and suitable loan programs.
CenterBank, founded in 2000, was built upon an old concept; community banking. We know our customers on a first name basis, keep an open-door policy, and work hard to find common sense solutions for customers. Our product set and customer niche are delimited to foster expertise necessary to deliver best in class service and manage
RiverHills Bank, formerly New Richmond National Bank, has been serving people just like you and your family in Clermont County for over a century.Investing in the lives of friends and neighbors and keeping your locally earned dollars actively at work in our communities, RiverHills Bank is proud to serve as your community Bank.
Mid-American Financial, we have passion for what we do—helping other people’s dreams come true. Our business is about developing and securing relationships, not just loans. Trusted relationships— forged by a unique consultative, educational approach that enables our clients to make confident, truly informed decisions.
We offer fanatically personalized service, delivering the perfect loan for you and your family Maxelle Mortgage loan specialists can help guide you through the loan process. We can help you get you pre-qualified for free before you even find your new home and we can match you with a trusted real estate agent through our partner networks.
At Versailles Savings & Loan, customer service is our number one priority. We are able to meet the needs of our customers with our staff’s fast friendly service. Being locally owned and operated, we are able to assist our customers by getting them answers in a timely manner rather than waiting for word from a corporate office
"At Bath State Bank, our community extends beyond the Indiana ""town limits"" of Bath, West College Corner and Liberty. We support numerous endeavors and volunteer with various organizations in Indiana and Ohio to help build a stronger community.
We are ""The Bank by the Side of the Road that is Always a Friend."""
Our family approach to business is built on a foundation of personal service, trusted care, and the belief that our bottom line succeeds only when you do. Our full range of comprehensive programs gives you the most options, with the best rates, to take your dreams of today and turn them into the realities of tomorrow.
First Bank Richmond is a community-oriented financial institution headquartered in Richmond, Indiana. First Bank Richmond provides full banking services to individuals and businesses through its eight branches located in Indiana and five branches and one loan production office in Ohio.
Natco Credit Union is a member-owned financial institution. Natco operates as a not-for-profit organization, with the interests of our members in mind. That makes us significantly different from banks, which are driven to operate at a profit to their stakeholders. We were established in 1944 and have provided a variety of accounts.
HCPFCU is NCUA Insured and an Equal Housing Lender. Our credit union opened its doors in 1975, specifically to serve Reid Health Employees. Since then, we have expanded to offer our services to any health care employee in the community, as well as their entire family! We do business in accordance with the Fair Housing Opportunity Act.
We’re connected to countless lending institutions. We’re obligated to none. Building, buying, refinancing, investing both residential and commercial: put your confidence in Zipfel Capital. As a broker, we leverage our network and expertise to connect you with the right lender.
Michael Zipfel, the founder and President of Zipfel Mortgage Group
Mortgage House of America has specialized in finding a great product at a great price to suit our clients’ home purchase or refinance needs. From the ground up, we have built our business on strong foundations of honesty, integrity and communication with our clients. Most of our loan officers bring at least ten years of experience.
