Explore the differences! FHA VS Conventional loan programs in Troy, Miami County, Ohio

During 2026, in Troy, located in the county of Miami, OH, the limit for a Conventional loan is set at $726,200. Meanwhile, the FHA ceiling for a single-family residence stands at $472,030.

The Lendersa® Conventional loan calculator is an essential tool for comparing today's most competitive rates among Conventional, FHA, and USDA loans. It helps determine the income, credit, reserves, and documents necessary for qualifying. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in the selection of the best-suited program in OH for your financial situation.

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Details on 2026 Loan Limits and Down Payment Requirements in Troy, Miami, OH

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

This table applies to the following zip codes: 45373

Discover Conventional and FHA Loan Options in Troy, OH

The mission of Lendersa® is to ensure you obtain the best possible Conventional, USDA, or FHA loans swiftly and effortlessly. Start with one of three pathways leading you to tailored lenders and loan programs.

Lendersa outcomes for USDA loan requests


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