In 2026, the FHA loan limits in Covington county, Miami, OH are set at $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-unit buildings.
The maximum available for conventional loans on a single-family residence reaches $726,200. For 2-units, the limit is $929,850, increasing to $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to access today's leading FHA rates and determine necessary downpayment, income level, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator empowers you to compare FHA rates and terms with those from other loan programs. Examine options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® gathers comprehensive loan program data from thousands of lenders, quickly aligning it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Covington, located within Miami, OH, facilitates comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To review qualification criteria like income, 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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