During 2026, the FHA loan limits in Lima, which is part of Allen county in OH, include $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
For conventional loans, the maximum amount for a single-family residence is $726,200. For two-unit buildings, it is $929,850; for triplexes, it reaches $1,123,900; and for four-unit structures, the limit is $1,396,800.
Our FHA calculator allows you to view today’s competitive FHA rates and effectively determine the necessary downpayment, income, credit score requirements, reserve funds, and documentation needed for application and approval.
The Lendersa® calculator equips you to compare FHA rates and terms with those from a suite of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With a wealth of data gathered from thousands of lenders, Lendersa® swiftly aligns the best loan programs with your individual financial situation and needs.
The 2026 Loan Limits Comparison Table for Lima, situated within Allen, OH, provides comparative data on maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine 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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