FHA VS Conventional loan programs in 2025 for Shelby, Richland County, Ohio

In 2025, 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.

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2025 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.

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  • Heritage Family Credit Union
  • 30 Allen St, Rutland, VT, 05701
  • The purpose of the Heritage Family Credit Union is to provide friendly, personable, high quality services for the entire family. The Credit Union will strive to offer convenient, cost effective services while maintaining financial stability. Heritage Family Credit Union’s vision is families prospering through cooperation.
  • Global Unity Mortgage
  • 71-1 Wilson Lane, Vernon Rockville, CT, 06066
  • Global Unity Mortgage reduce any unnecessary stress and anxiety. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding you the right loan, with the best rates, terms and costs to meet your unique needs.We are equipped with the latest software, programs and information available the mortgage m
  • Americay Mortgage Corporation
  • 154 Talcottville Road, Vernon Rockville, CT, 06066
  • At Americay Mortgage Corp, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • Foresight Bank
  • 138 West Broadway, Plainview, MN, 55964
  • Foresight Bank is a unique community bank because we listen to our customers and we focus on environmental sustainability. We recognize every customer is different and we need to listen so we can understand how we can help. We don’t have a cookie-cutter approach that we apply to all of our customers,
  • Peoples State Bank
  • 100 4th Ave SE, Suite 6, Plainview, MN, 55964
  • Since 1925, Peoples State Bank has been proud to serve the banking needs of our community. The original owner, William R Zabel, solidified his vision with the very first PSB branch in Plainview, MN. Since those early days, PSB has expanded to include branches in Altura and Elgin, MN, as well as Boyceville and Menomonie, WI.
  • Coastline Capital Mortgage
  • 530 Causeway Dr, Suite F1, Wrightsville Beach, NC, 28480
  • Coastline Capital Mortgage in the Cape Fear region because we hold this area near and dear to our hearts. The team has been in the area for a number of years and feels closely connected to the values of the surrounding community. Integrating family, business, and growth down here is the pinnacle of achievement
  • First State Bank
  • 300 Broad Street, Wrens, GA, 30833
  • We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors. With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964. A branch office was opened in 2002 in Americus,
  • Robby Oakes Mortgage Team
  • 5039 Executive Drive, Suite 500B, Morehead City, NC, 28557
  • Robby is a Chapel Hill native, a graduate of the University of North Carolina. Robby joined Corporate Investors Mortgage Group in 2003 with a background in Financial Planning and Real Estate and hit the ground running winning the 2004 NC Association of Mortgage Professionals “Rookie of The Year” award.
  • Original Funding
  • 575 Underhill Blvd, Suite 216, Southold, NY, 11971
  • Original Funding is not a lender. We provide a service to prospective borrowers wherein we submit their secure application information to our network of lenders. We do not collect a fee from the applicants. Our mission is to match prospective borrowers with our preferred network of lenders. There is no guarantee that your application
  • Coweta Cities & County Employees Federal Credit Union
  • 43 Jefferson Parkway, Newnan, GA, 30263
  • Coweta Cities & County Employees Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
  • Leighton State Bank
  • 900 Washington St., Pella, IA, 50219
  • Leighton State Bank is a locally owned financial institution with locations in Pella, Leighton and Monroe. We deliver a full line of products and services – online banking, mobile banking, account options, loans, fraud protection and more – but are small enough to personally know you.