As of 2025, the FHA loan limits established for Oberlin county, within Lorain, OH, are as follows: for a single-family home, the limit is $472,030; for two-unit properties, it reaches $604,400; for three-unit dwellings, the max is $730,525; and for four-unit homes, it is $907,900.
The cap for conventional loans on a single-family residence is $726,200. For duplexes, it's set at $929,850; for triplexes, it is $1,123,900; and for quadplexes, the limit is $1,396,800.
To discover today's best FHA rates, use our FHA calculator. This tool is designed to help determine necessary downpayments, income qualifications, credit requirements, reserves, and required documents for eligibility.
The Lendersa® calculator provides the means to compare FHA rates and terms with those of other loan programs. Explore varied options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly acquires and analyzes loan data from thousands of lenders, tailoring comparisons to your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 in Oberlin county of Lorain, OH, offers a comprehensive view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit criteria.
| 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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