In 2026, the FHA loan limits in Cleveland, within Cuyahoga county, OH, are set at $472,030 for single-family homes, $604,400 for buildings with two units, $730,525 for three units, and $907,900 for four-unit properties.
The upper limit for conventional loans on a single-family residence is $726,200, while for two-unit homes it's $929,850, for three units it's $1,123,900, and for four-unit structures, it's $1,396,800.
Leverage our FHA calculator to discover the best FHA rates available today and to determine your required downpayment, income, credit verification, reserves, and necessary documentation for qualification.
Using the Lendersa® calculator, you can effectively compare FHA rates and terms with those of other loan products, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly gathers detailed loan data from thousands of lenders, aligning it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cleveland, Cuyahoga county, OH, allows for the comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria such as income levels, reserves, and credit requirements.
| 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 | $0 | $0 | $0 | $0 |
| 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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