Explore the differences! FHA VS Conventional loan programs in Urbana, Champaign County, Ohio

In 2025, the conventional loan cap in Urbana, county of Champaign, OH is set at $726,200, whereas the FHA threshold for a single-family home is $472,030.

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Leverage the Lendersa® Conventional loan calculator for a comparison of today's leading rates: Conventional versus FHA versus USDA. Determine the necessary income, creditworthiness, savings, and documentation to qualify. Our advanced mortgage tool presents Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the most fitting program for your financial profile in OH.

Compare loan offers from a variety of 100 lenders

2025 Loan Limits and Down Payment Requirements in Urbana, County of Champaign, OH

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

This comparison table applies to the zip codes: 43078

Available Conventional and FHA Loan Options in Urbana, OH

Lendersa® is committed to securing you an optimal Conventional, USDA, or FHA loan efficiently and effortlessly. Choose one of three initial options that connect you with compatible lenders and loan programs.

  1. Submit the ultimate request using Conventional/USDA/FHA loan optimization
  2. Discover Conventional, USDA, and FHA rates & terms ahead of time
  3. Search through the largest database of Conventional lenders
Lendersa USDA loan request and matching results



  • Oz Lending
  • 2805 Dallas Pkwy, Suite 150, Plano, TX, 75093
  • Whether it’s refinancing, buying a new home, building a home, or applying for home equity loans or second mortgages; we have an experienced, around the clock, qualified team of accessible “Wizards” who are with you every step of the homeownership process. Oz Lending has access to the best loan programs available, FHA, VA, Construction, Jumbo.

  • Quick and Closed
  • 3300 N. Dallas Pkwy, Plano, TX, 75093
  • We are a full service Mortgage Broker offering a wide variety of loan programs. Unlike Banks or traditional mortgage companies who are locked into selling only their products, we work with several lenders and investors to select the right loan for you. Whether you are self-employed and have perfect credit or not so perfect credit we can help.

  • Frisco Mortgage Guy
  • 2701 N. Dallas Parkway, Suite 180, Plano, TX, 75093
  • Frisco Mortgage Guy because he is an integral member of the Frisco community where he lives and works. As a father of four, Geoffrey understands that for most people, their homes are not only their biggest financial investment but also the most important place to shelter and nurture their families.

  • USA Refi, Inc.
  • 5940 Brookhaven Drive, Plano, TX, 75093
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • BHome Mortgage, LLC
  • 2805 N Dallas Parkway, Suite 120, Plano, TX, 75093
  • BHome Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers. These values are reflected in our actions.

  • Spragins Mortgage Group.
  • 5408 W Plano Pkwy, Plano, TX, 75093
  • "Spragins Mortgage Group | GW Home Loans is a leader in the mortgage industry. We strive to put every client first in helping you with any of your residential home loan needs. We have been in the mortgage industry for over 10 years & with our expertise and we are sure we can find you what you need. Thank you for visiting Spragins Mortgage Grou

  • Independent Financial
  • 2701 Dallas Parkway, Suite 100, Plano, TX, 75093
  • Independent Financial provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs, as well as busy families. OUR MISSION: Delight our customers with personalized financial solutions, uplift our communities with financial.

  • KT Mortgage Inc
  • 1400 Preston Rd, Suite 400, Plano, TX, 75093
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • First Lending
  • 4888 Dexter Drive, Suite 100, Plano, TX, 75093
  • We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers

  • Wildcat Lending
  • 4800 Dexter Dr, Plano, TX, 75093
  • Wildcat Lending is a leading private money lender also known as a hard money lender. We produce fast, reasonable, secure real estate loans that enable you to close quickly on residential investment properties. Wildcat Lending offers real estate financing that avoids the time-consuming process and requirements of conventional lenders.
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