FHA VS Conventional loan 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.

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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


  • Universal Mortgage & Finance
  • 3158 Braverton Street, Suite 204, Edgewater, MD, 21037
  • Universal Mortgage & Finance, Inc. is a direct lending institution and we pride ourselves on making your needs our top priority because we're committed to building long-lasting relationships in the communities we serve. For two decades, we have successfully facilitated the financial service needs of people .
  • BlackWater Funding
  • 403 Fairlea Drive, Edgewater, MD, 21037
  • BLACKWATER FUNDING PROVIDES QUICK COMMERCIAL REAL ESTATE LOANS & CAPITAL FOR INVESTORS & OWNERS OF OWNER-OCCUPIED PROPERTIES. WE ALSO OFFER LOANS FOR UNIQUE PROPERTIES: (CHURCHES, CAR WASHES, MOBILE HOME PARKS, GAS STATIONS,CHILDHOOD CARE, AUTO REPAIR SHOPS, SELF STORAGE,LAND, ETC.)
  • UHS Employees Federal Credit Union
  • 33-57 Harrison Street, Johnson City, NY, 13790
  • UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
  • Blue Ridge Bank
  • 11450 Robious Road N, Richmond, VA, 23235
  • Blue Ridge Bank is a leading community Bank that supports families and businesses through a wide range of financial services including retail and commercial Banking, payroll, insurance, card payments, wholesale and retail mortgage lending, and government-guaranteed lending. The Bank also provides investment and wealth management services
  • Prospera Home Loans
  • 7148 Hull Street Rd, Richmond, VA, 23235
  • We give a strong commitment to client satisfaction & success. All our mortgage loan programs are designed to help you get the most out of them. Together with our professional & emphatic loan officers, you are in good hands. Our loan products will be tailored-fit to your specific needs and situation.
  • Blevins Home Mortgage
  • 2114 Swartz Rd, Darlington, MD, 21034
  • Blevins Home Mortgage. We are a full service mortgage company based in Darlington, Maryland. We service all of Maryland and specialize in FHA Loans, VA Loans, USDA Loans, Conventional Loans and Renovations Loans. Whether you are buying a home or refinancing, Blevins Home Mortgage has got you covered.
  • 1st Financial Mortgage Corp
  • 1516 Willow Lawn Drive, Richmond, VA, 23230
  • 1st Financial Mortgage is a Virginia mortgage company based in Richmond that is dedicated to helping Virginia home buyers and homeowners purchase and refinance their homes. We aim to provide extraordinary customer service, excellent interest rates, and low closing costs for every customer.
  • Professional Mortgage Corp
  • 1311 High Point Ave, Richmond, VA, 23230
  • Professional Mortgage Corp., a Virginia Corporation was established in 1987 and has the distinction of being the oldest locally owned and located mortgage company licensed by the Virginia Bureau of Financial Institutions. It was founded by lifetime Virginia Residents Tim Estes and Herbert Weisberger