Explore the differences! FHA VS Conventional loan programs in Gallipolis, Gallia County, Ohio

In 2026, the Conventional loan limit for Gallipolis, in the county of Gallia, OH, is $726,200, whereas for a single-family home, the FHA limit is $472,030. These figures provide essential financial guidelines for potential homeowners.

Leverage the Lendersa® Conventional loan calculator to review the best available rates for Conventional, FHA, and USDA options today. This tool helps determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows comparison of Conforming Conventional loans, USDA, FHA, and VA side by side, aiding you in finding the optimal plan for your financial requirements in OH.

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Loan Limits and Down Payment Requirements for 2026 in Gallipolis, the County of Gallia, OH

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

This comparison applies to zip codes: 45631

Conventional and FHA Loan Opportunities in Gallipolis, OH

The objective of Lendersa® is to enable you to secure the best possible Conventional, USDA, or FHA loan efficiently and without unnecessary complications. Select from three pathways that connect you with suitable lenders and loan options.

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Gallipolis Lenders

  • Ohio Valley Bank
  • 420 Third Avenue, Gallipolis, OH, 45631
  • Lends in Ohio
  • 16 offices in southern Ohio and western West Virginia. The bank is headquartered in Gallipolis, Ohio and is a subsidiary of Ohio Valley Banc Corp.

    Ohio Valley Bank is credited for many banking ""firsts""​ in its region. The bank was the first in Gallia County to offer ATMs, in-store branches, banking on Sunday and most holidays, internet bank

  • Farmers Bank and Savings Company
  • 211 West Second Street, Pomeroy, OH, 45769
  • Lends in Ohio
  • Established in 1904, Farmers Bank knows what it takes to sustain a healthy, thriving community. We are passionate about helping individuals, groups, team, organizations, causes and more. As we grow, so does our effort to infuse the neighborhoods that make our communities – and our people – very unique and unquestionably great.