FHA VS Conventional loan programs in 2026 for West-Milton, Miami County, Ohio

In 2026, the conventional loan limit for West-Milton, located in the county of Miami, OH, is $647,200. Meanwhile, the FHA limit set for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to analyze today's highest rates among Conventional, FHA, and USDA loans, determining the income, credit, reserves, and documentation needed. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA, guiding you to choose the best program for your unique financial circumstances in OH.

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Loan Limits and Down Payment Requirements for 2026 in West-Milton, County of Miami, OH

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is relevant for zip codes: 45339

Exploring Conventional and FHA Loan Options in West-Milton, OH

The objective of Lendersa® is to swiftly secure the best Conventional, USDA, or FHA loans without hassle. Select one of three starting paths that connect you with matched lenders and loan programs.

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West-Milton Lenders

  • Abbey Credit Union
  • 800 Falls Creek Drive, Vandalia, OH, 45377
  • Lends in Ohio
  • Abbey Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937, our members have experienced the meaning of belonging to a financial institution that cares about its community.Credit Union invites you & your family to join us in establishing a unified, financially sound society. Since 1937

  • DayMet Credit Union
  • 4988 Wagner Ford Road, Dayton, OH, 45414
  • Lends in Ohio
  • DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.

  • Day Air Credit Union
  • 3434 York Commons Blvd, Dayton, OH, 45414
  • Lends in Ohio
  • Day Air Credit Union, a not-for-profit, full-service financial institution that serves businesses and residents of the Dayton community in southwest Ohio. In addition to our six full-service locations, credit Union members have access to thousands of surcharge-free ATMs and shared branches nationwide.

  • C & G Mortgage
  • 4165 Little York Rd., Dayton, OH, 45414
  • Lends in Ohio
  • At C & G Mortgage. We are a full service mortgage company based in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle, , Ohio. We specialize in FHA loans, First Time Home buyer, in Dayton, Lima, Vandalia, Huber Heights, Kettering, Centerville, Troy, Tipp City, New Carlisle

  • KTL PERFORMANCE MORTGAGE
  • 700 Wayne St, Greenville, OH, 45331
  • Lends in Ohio
  • KTL Performance Mortgage is a Mortgage Lender in Greenville, OH, who helps people in Ohio, Indiana, Kentucky, and Florida achieve their unique dreams of home ownership. We strive to be the best Mortgage Lender possible, so that we can help find the right Home Mortgage solution for each person’s life situation.

  • NCF Savings Bank
  • 400 N Main St, New Carlisle, OH, 45344
  • Lends in Ohio
  • NCF Savings Bank has been serving our customers and community. As a small, locally owned community bank we are in a unique position to respond to your needs quickly and efficiently, with all the great products and services that our customers need and want. NCF is extremely proud to be a locally focused bank that builds into the communities serve.

  • Firefighters & Company Federal Credit Union
  • 338 South Patterson Boulevard, Dayton, OH, 45402
  • Lends in Ohio
  • The Firefighters and Company Federal Credit Union was organized as the "Dayton (Ohio) Firemen Federal Credit Union" on the 4th day of June, 1935. The charter members-all fire department employees-applied for permission to organize and operate a Federal Credit Union. The Firefighters and Company Federal Credit Union is a community credit union.

  • CODE Credit Union
  • 355 W Monument Avenue, Dayton, OH, 45402
  • Lends in Ohio
  • CODE Credit Union is a member-owned, cooperative financial institution that has been serving municipal employees and select companies and organizations since 1940. We continuously strive toward excellence by providing a comprehensive range of quality products and services to meet our members' financial needs.

  • Great Oak Funding
  • 120 West Second Street, Suite 1406, Dayton, OH, 45402
  • Lends in Ohio
  • Great Oak Funding is a private lender focused on providing funding to help businesses grow and expand. Great Oak Funding provides capital through mezzanine financing to existing companies with a track record of revenue. Great Oak Funding’s management team has a history of working with distressed companies to provide guidance.