For 2026, the FHA loan limit in Ontario, found in Richland, OH, is set at $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit structures, and $907,900 for four-unit buildings.
The cap on conventional loans for a single-family dwelling is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
To explore today's best FHA rates and calculate necessary qualifications like down payment, income, credit score, reserves, and documents, use our FHA calculator.
The Lendersa® calculator enables FHA rate and terms comparisons against all other loan programs. Check out Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans to see how they stack up against FHA.
Lendersa® accumulates extensive lender data and quickly matches it with your specific financial situation and needs.
The Loan Limits Comparison Table for 2026 in Ontario, within Richland, OH, allows a comparison between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For in-depth qualification criteria such as income, reserves, and credit, make use of 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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