FHA VS Conventional loan programs in Urbana, Champaign County, Ohio
In 2026, 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.
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.
2026 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.
In 1892, the Peoples Savings Bank was granted a charter by the State of Ohio to open for business in Urbana, Ohio. Realizing the importance of the Champaign County community they would serve, it was thus very logical to choose the name: The PEOPLES Savings and Loan Company.
In 1993, Peoples changed from a state-chartered savings
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