FHA VS Conventional loan programs in Dayton, Montgomery County, Ohio
In 2026, 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.
2026 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
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.
Wright-Patt Credit Union (WPCU), we make it easy. With Member Center locations in Southwest and Central Ohio, 40,000+ of lower-to-no-fee ATMs, thousands of Shared Branching locations nationwide, and an award winning mobile app, we give you all the conveniences you expect from a traditional bank.
3560 Pentagon Boulevard, Suite 301, Beavercreek, OH, 45431
Lends in Ohio
myCUmortgage, a wholly-owned Credit Union Service Organization of Wright-Patt Credit Union in Beavercreek, Ohio, empowers credit union partners to be great mortgage lenders. Through exceptional leadership, comprehensive solutions, expert guidance and partner-focused service, myCUmortgage delivers peace of mind to credit union
Dayton Capital Partners, LLC is a direct lender and mortgage broker for real estate investors. We specialize in Hard Money Loans and Transactional funding. We also assist Ohio investors with rental loans. Most of our loans are for single family, small multifamily and apartment buildings
Universal 1 Credit Union was founded in 1937 in Dayton, Ohio. With 10 member centers in the greater Miami Valley, U1CU provides quality financial products and services to members all over the world. U1CU membership is open to all who live, work, worship, or go to school in one of the many communities that we serve.
The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.
CODE Credit Union is a member-owned, cooperative financial institution that has been serving municipal employees and select companies and organizations since 1940. We continuously strive toward excellence by providing a comprehensive range of quality products and services to meet our members' financial needs.
120 West Second Street, Suite 1406, Dayton, OH, 45402
Lends in Ohio
Great Oak Funding is a private lender focused on providing funding to help businesses grow and expand. Great Oak Funding provides capital through mezzanine financing to existing companies with a track record of revenue. Great Oak Funding’s management team has a history of working with distressed companies to provide guidance.
At KH Credit Union, we do the same by taking care of the financial needs of our members; the healthcare professionals of Kettering Health and their families. We are committed to providing the best possible service, efficiently and inexpensively. KH Credit Union is a not-for-profit financial institution.
DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.
