FHA VS Conventional loan programs in Franklin, Warren County, Ohio

In 2026, within Franklin, located in Warren county, OH, the conventional loan cap is $726,200, while the FHA limit for a single-family dwelling is set at $472,030.

With the Lendersa® Conventional loan calculator, you can juxtapose today’s top rates: Conventional vs. FHA vs. USDA. Determine the income, credit score, reserves, and documents required to qualify. Our sophisticated mortgage calculator presents Conforming Conventional loans alongside USDA, FHA, and VA, helping you select the right program in OH tailored to your finances.

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2026 loan limits and downpayment requirements in Franklin, Warren, OH

Loan Category Maximum Limit Initial Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These details apply to zip codes: 45005

Available Conventional and FHA loan options in Franklin, OH

The mission of Lendersa® is to provide the most suitable Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three starting points that align with compatible lenders and loan options.

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Franklin Lenders

  • MyUSA Credit Union
  • 3600 Towne Boulevard, Middletown, OH, 45005
  • Lends in Ohio
  • The mission of MyUSA Credit Union is to assist member-owners in gaining personal financial success by providing and promoting the use of financial services that feature benefits and advantages over those available from other competitive sources. MyUSA Credit Union is an equal opportunity employer and service provider.

  • Atrium Credit Union
  • 6051 Market Avenue, Suite C, Franklin, OH, 45005
  • Lends in Ohio
  • Atrium Credit Union is a not-for-profit financial coop offering financial services to their membership. Joining the credit union will allow you to access savings, loans, and much more. Atrium CU offers the following services to credit union members. Services available may vary at individual locations.

  • Franklin Mortgage Solutions
  • 10 Fairway Dr, Springboro, OH, 45066
  • Lends in Ohio
  • Headquartered in Springboro, Ohio, Franklin Mortgage Solutions specializes in mortgage refinance and home loans throughout the states of Alabama, Arkansas, Florida, Kentucky, Ohio, South Carolina, & Tennessee. Franklin Mortgage Solutions is a local mortgage broker offering a wide variety of home loan programs.

  • Kentwood Mortgage, Inc.
  • 610 N. Main Street, Springboro, OH, 45066
  • Lends in Ohio
  • Kentwood Mortgage, Inc our Goal is people's dreams come true and that makes us very proud. We're proud each time we lend someone the money they need, especially if they've been turned away by another lender. We're proud knowing that our Home Equity loans have allowed a child to go to college or a beloved home to be improved.

  • ACF Home Loans LLC
  • 1081 North University Boulevard, Suite C, Middletown, OH, 45042
  • Lends in Ohio
  • ACF Home Loans, a professional mortgage company specializing in residential mortgages.ACF Home Loans, we will find a loan that fits each borrower.Unlike big banks that have order takers helping you with your loan, we have highly skilled & trained loan consultants.Our consultants know what it takes to get through underwriting quickly & efficiently.

  • Columbus First Bank
  • 2 N. Broadway, Lebanon, OH, 45036
  • Lends in Ohio
  • Serving customers and communities in Southwest and Central Ohio since 1877, LCNB National Bank has a long tradition and respected reputation for building strong relationships with our customers and the communities in which we support and do business. Whether it is personal or business banking, lending services, trust or investment services you need

  • 1st National Bank
  • 1160 E Main St, Lebanon, OH, 45036
  • Lends in Ohio
  • 1st National Bank is a community bank serving Southwestern Ohio. We offer competitive banking services to fulfill the needs of our community in a friendly, courteous fashion and provide the most convenient banking tools available. It's just how we think about banking and customers

  • Farmers & Merchants Bank
  • 41 South First Street, Miamisburg, OH, 45342
  • Lends in Ohio
  • Farmers & Merchants Bank was founded in 1923 by a small group of Miamisburg business professionals whose philosophy was to establish a financial institution to provide basic banking services in a friendly and courteous manner. Its market was the residents and the small businesses who were often ignored by the area's larger banks.

  • KH Credit Union
  • 7740 Paragon Road, Dayton, OH, 45459
  • Lends in Ohio
  • 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.