In 2026, the FHA loan limits for Centerville, which is in Montgomery County, OH, are as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for buildings with four units.
The peak loan amount for conventional loans on a single-family residence is set at $726,200. For two-unit homes, the cap is $929,850, for three-unit structures $1,123,900, and for four-unit dwellings, it's $1,396,800.
Use our FHA calculator to view today's finest FHA rates and to discern necessary down payments, income requirements, credit details, reserves, and the documents needed to qualify.
The Lendersa® calculator equips you to compare FHA rates and terms with those of other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, allowing you to explore a wide range of possibilities.
Lendersa® efficiently pulls loan program data from thousands of lenders, benchmarking it against your unique financial situation and needs in rapid time.
The Loan Limits Comparison Table for 2026 in Centerville, within Montgomery, OH, offers a comprehensive comparison of maximum amounts across loan types like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To assess qualification criteria, including income thresholds, reserves, and credit, use the Lendersa® 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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