In 2026, FHA loan limits for Kettering in Montgomery county, OH, are $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit homes.
Conventional loans have a maximum of $726,200 for single-family residences, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit properties.
Use our FHA calculator to find today's best FHA rates and calculate the necessary downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects data from thousands of lenders and quickly matches it to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Kettering, Montgomery county, OH provides a comparison of maximum 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 assess income, 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 | $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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