FHA VS Conventional loan programs in Kettering, Montgomery County, Ohio

In 2026, the conventional loan limit in Kettering, situated in Montgomery county, OH, is $726,200. In contrast, the FHA limit for a single-family home is $472,030.

With the Lendersa® Conventional loan calculator, you can explore today's top rates for Conventional, FHA, and USDA loans. Evaluate what income, credit, reserves, and documents are needed to qualify. Our advanced mortgage calculator enables comparisons of Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in OH best suits your financial circumstances.

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2026 Loan Limits and Downpayment Requirements in Kettering, Montgomery County, OH

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

This table is relevant to the following zip codes: 45440

Conventional and FHA Loan Options in Kettering, OH

Lendersa® aims to provide you with the most suitable Conventional, USDA, or FHA loan promptly and without fuss. Begin by selecting one of three pathways that connect you with matching lenders and loan offers.

Lendersa USDA loan request and matching results


  • City Fund Mortgage Lending
  • 4195 Chino Hills Parkway, Suite 469, Chino Hills, CA, 91709
  • City Fund Mortgage began with a clear vision of ethical lending and quality service. With over a century of combined lending experience amongst our team, a vast array of loan product offerings, and an emphatic commitment to superior customer service, the company has managed to stay competitive in an ever changing

  • J Bee Home Loans
  • 13362 Emerald Way, Chino Hills, CA, 91709
  • JBee Home Loans is a growing residential mortgage lender in California built on a proven track record as a long-time industry leader. The Los Angeles-based company, founded by Joel & Jill Burlingame, specializes in standardized home loans, VA loans, FHA loans, low-credit score approval loans, refinancing and more

  • The GreenHouse Group Inc
  • 3594 Adams Ave, San Diego, CA, 92116
  • We are a full-service real estate consulting & mortgage planning brokerage firm located here in The Heart of San Diego. We are local – San Diego Made – and we proudly represent home sellers, home buyers & those looking for home financing along the way. We are the highest-rated, most 5 star reviewed real estate company in the entire county ..

  • MortgageTree Lending
  • 402 W. Arrow Hwy, Suite 1, San Dimas, CA, 91773
  • The MortgageTree Lending Team, a division of American Pacific Mortgage is your premiere mortgage banker located in San Dimas, California. We pride ourselves on walking our clients through every step of the transaction and beyond. We make the loan process simple, straightforward and fast for borrowers seeking a mortgage.

  • Lori Printy - GEM Mortgage
  • 540 East Foothill Blvd, Suite 100F, San Dimas, CA, 91773
  • Lori Printy began her career with GEM Mortgage in 1998 at a young age of 23. She started working with a Top Producing Loan Officer as an assistant then moved on to wear many hats one of being a Sr. Loan Processor.


    Lori Printy’s passion of working with a team and learning all aspects of the loan business soon became a Mortgage Advisor

  • The Vallejo Team
  • 363 S San Dimas Ave, San Dimas, CA, 91773
  • The The Vallejo Team Team is your premier mortgage team located in San Dimas, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area. Helping families achieve the dream of home ownership for over 15 years.

  • Redx Lending
  • 100 West Foothill Boulevard, Suite 205, San Dimas, CA, 91773
  • redxlending.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor

  • Cactus Lending Inc.
  • 981 W Arrow Hwy, Suite 187, San Dimas, CA, 91773
  • Cactus Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Better Home Financial, Inc.
  • 151 West Bonita Avenue, San Dimas, CA, 91773
  • Better Home Financial, Inc. is a full service mortgage lender that was founded by Wally Nikowitz in San Dimas, California in 1988. Building upon a decade of career success with a national CPA firm, Founder/CPA Wally merged his extensive experience in finance, accounting, tax and business with his passion for helping family, friends.

  • Mares Mortgage
  • 32172-A Camino Capistrano, Suite A, San Juan Capistrano, CA, 92675
  • Mares Mortgage is rated first, locally & recommended as the most convenient home loan option. A standard that has been perfected for more than two decades. When Cutberto started providing loans in 1993, he did not just want to provide quality financing. Honesty, Integrity, Customer Service, not something you often hear about in a mortgage company.