In the year 2026, the FHA loan limits for Amherst county, found in Lorain, OH, are $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for three-unit homes, and $907,900 for properties with four units.
The conventional loan caps on a single-family home are $726,200; for two-unit properties, they are $929,850, $1,123,900 for three units, and for four units, the maximum is $1,396,800.
Use our FHA calculator to find today's best FHA rates and determine the necessary downpayment, income, credit requirements, reserves, and documents needed for eligibility.
The Lendersa® calculator helps in comparing FHA rates and terms with those of other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® retrieves comprehensive loan program data from many lenders, analyzing it quickly to suit your financial circumstances.
For 2026, in Amherst county within Lorain, OH, the Loan Limits Comparison Table provides a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM Reverse Mortgage, and hard money. Evaluate qualification needs for income, reserves, and credit using Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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