As of 2026, in Dayton within Montgomery county, OH, the FHA loan limits are: $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for buildings with four units.
The conventional loan ceilings are: $726,200 for single-family residences, $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 for four-unit dwellings.
Utilize our FHA calculator to find today’s leading FHA rates and determine the downpayment, income qualifications, credit score, reserves, and documents needed for approval.
The Lendersa® calculator facilitates comparison of FHA rates and terms with various other financing options, like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Collecting data from numerous lenders, Lendersa® instantly matches programs to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 located in Dayton, Montgomery county, OH presents comparisons between max loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements for income, reserves, and credit.
| 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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