Explore the differences! FHA VS Conventional loan programs in Ottawa, Putnam County, Ohio

In 2025, the limit for a conventional loan in Ottawa, located in the county of Putnam, OH, is $726,200, whereas the FHA limit for a single-family home is $472,030.

The Lendersa® Conventional loan calculator is a valuable tool for comparing today's top rates for Conventional, FHA, and USDA loans and determining the necessary income, credit, reserves, and required documentation. With our advanced mortgage calculator, you can view side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to make an informed choice about the best program for your financial needs in OH.

Explore loan offers from 100 lenders

Loan limits and down payment requirements for 2025 in Ottawa, county of Putnam, OH

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

This comparison table applies to the following zip codes: 45875

Options for Conventional and FHA loans in Ottawa, OH

Lendersa® is committed to securing the best and quickest Conventional, USDA, or FHA loan for you, with convenience in mind. Choose from one of three starting points, which will connect you with suitable lenders and loan programs.

Results from Lendersa USDA loan requests


  • PeopleFund
  • 2921 E. 17th Street, Building D, Suite 1, Austin, TX, 78702
  • PeopleFund creates economic opportunity and financial stability for underserved people by providing access to capital, education and resources to build healthy small businesses. PeopleFund believes that healthy small business growth is the key to economic recovery and development and that every person.
  • Park Place Funding, LLC
  • 2220 E Cesar Chavez St, Austin, TX, 78702
  • Park Place Funding, LLC was started in 2015 and is based in Austin, Texas. We provide short-term, asset-based loans for non-owner occupied properties in the major markets of Central Texas, including Austin, Dallas, San Antonio, and the surrounding areas. Our loans are secured by a first lien against the property.
  • Loan Ranger Capital
  • 1800 E 4th St, Suite 170, Austin, TX, 78702
  • Loan Ranger Capital provides funding to real estate investors all over the state of Texas and has become highly regarded as one of Texas’s best funding sources for real estate investments.Loan Ranger Capital is different than other hard money lenders. We’re locally based and take pride in our first-hand market knowledge.
  • Hard Money Lenders IO | Private Loans Lender | Florida
  • 15805 Biscayne Blvd, North Miami Beach, FL, 33160
  • HARD MONEY LENDERS IO IS A PRIVATE LENDING COMPANY LOCATED IN MIAMI, FLORIDA GIVING LOANS TO REAL ESTATE INVESTORS AND ENTREPRENEURS. WE SPECIALIZE IN OFFERING LOANS TO PROFESSIONAL REAL ESTATE INVESTORS FOR THEIR NON-OWNER OCCUPIED REAL ESTATE INVESTMENT. WE OFFER TAILOR-MADE LOANS TO SUIT YOUR SPECIFIC NEEDS.
  • Mister Loans
  • 3323 NE 163rd St STE 404, North Miami Beach, FL, 33160
  • Mister Loans recognizes the struggle many faces in acquiring fair, honest home mortgage loans. That’s why we aim to exceed expectations We strive above all else to simplify the loan application process and help our partners achieve their goals through fair and competitive mortgage financing options.
  • Hard Money Company
  • 18205 Biscayne Boulevard, Suite #2226, North Miami Beach, VA, 33160
  • The HardMoney Company has grown to a $100 mm company. Large in capacity, but offering loans of all sized ($50k - $5mm). Your loan -- large or small -- will be handled by senior executives and company owners. The founders, Gus Goldsmith & Jerry Bouchard, partners for over 25 years, have participated in several entrepreneurial ventures since 1988.
  • New Wave Loans
  • 3323 NE 163 STREET, #PH704, North Miami Beach, FL, 33160
  • New Wave Loans is Florida's largest private lender, specializing in fast and transparent closings on $1MM-$30MM loans. NMLS# 994227. Servicing both domestic investors and foreign nationals, New Wave Loans provides quality financing with a focus on speed, confidentiality, and white-glove service. We are a direct lender of our own capital, giving us
  • Bridge Mortgage Bankers Inc
  • 998 NE 167th Street, Miami, FL, 33162
  • Bridge Mortgage Bankers and its all-star team of professionals are well known for putting the customer first. We have an outstanding reputation amongst the thousands of homebuyers we have served and our mortgage banking illuminates our blossoming success. As a mortgage banker, Bridge Mortgage Banking Loans can offer faster loan processing