In 2026, FHA loan limits in Coldwater county of Mercer, OH are $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum amount for conventional loans on single-family residences is $726,200, with limits of $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to explore today’s best FHA rates and determine the necessary down payment, income, credit reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with other loan program options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently compiles data from thousands of lenders and matches it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Coldwater county of Mercer, OH, allows comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualifications like income, reserves, and credit, use 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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