FHA VS Conventional loan in Shelby, Richland County, Ohio
In 2026, the Conventional loan limit in Shelby, located in Richland county, OH, is $726,200, while the FHA limit is $472,030 for a single-family home.
Use the Lendersa® Conventional loan calculator to explore today's top rates for Conventional, FHA, and USDA loans. Identify the needed income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the program that best matches your financial circumstances in OH.
2026 Loan Limits and Down Payment Requirements in Shelby, Richland, OH
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison is applicable to zip codes: 44875
Explore Conventional and FHA Loan Options in Shelby, OH
The goal of Lendersa® is to find you the best available Conventional, USDA, or FHA loan quickly and with ease. Start by selecting one of the three options to connect with matching lenders and loan programs.
Mechanics Bank is a full-service community bank in Richland County, Ohio. We’ve remained independently managed for over 136 years, and we’re proud to be the only bank in the county that can make that claim. Because what began in Mansfield in 1886 remains here—headquarters and all.
13 Park Avenue West, Suite 307, Mansfield, OH, 44902
Lends in Ohio
McGregor Mortgage, LLC is committed to providing customer-minded mortgaging and was founded on the principles of bringing more mortgage options and products; always being available; establishing transparency with customers, realtors, and other business partners; delivering in an efficient manner
28 Park Avenue West, Suite 601, Mansfield, OH, 44902
Lends in Ohio
THA Mortgage provides a variety of loan options and knowledge to help each customer understand and select the best loan program for their needs. We are here to help clients in all phases of life meet their financial and real estate goals.
Integrity, innovation, partnership and collaboration are the core values that drive THA Mortgage
As a local, community bank, we are driven by a strong focus on meeting the financial needs of businesses and individuals in a way only a community bank can deliver. And we are proud to serve Morrow, Knox, Richland, Franklin, and Holmes Counties with full service branches in Bucyrus, Cardington, Dublin, Fredericktown, Worthington,
Since our founding in 1888, employees have been the main reason for First Federal Community Bank’s success. We are an Equal Opportunity Employer and we offer competitive salaries, excellent benefits and the opportunity for career advancement. If you are customer-oriented, enjoy working with people, take pride in your work
Our goal is to become your family financial center. We are locally owned and operated. Our staff is here to serve you. Unlike big corporations, we make decisions on an individual basis, not by some arbitrary number. Stop in sometime, we would be glad to let you know what we offer. We want to earn your business.
First National Bank has been providing financial services to its local market area since 1875 & is based in Bellevue, Ohio. We believe that by banking locally with your Community Bank, you can make a difference in the lives of your neighbors & the future of your Community. Enjoy the benefits of a Community Bank including superior customer service.
Firelands Federal Credit Union had its humble beginnings at the railroad in 1955, when seven Nickel Plate employees joined together to form a financial savings club. Each of them put in $5-$10 and they applied for a charter from the federal government. Chartered in 1957, Firelands Federal Credit Union presently serves over 35,000 members.
"Your Legacy Federal Credit Union has been open since 1952. The credit union has assets totaling $80.09 Million and provides banking services to more than 7, 000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
