In 2026, the FHA loan limits within Shelby county, located in Richland, OH, are defined as follows: $472,030 for a single-family home. For residences with 2 units, the limit extends to $604,400. If you consider properties with 3 units, the cap is $730,525, and for those with 4 units, it increases to $907,900.
For conventional loans, the maximum available amount for a single-family home is $726,200. If your property has 2 units, it rises to $929,850. For 3-unit homes, the top limit is $1,123,900, while for 4-unit homes, it reaches $1,396,800.
Use our FHA calculator to find today’s most competitive FHA rates and figure out the necessary downpayment, income verification, credit score, reserves, and essential documents for qualification.
The Lendersa® calculator provides a robust means of comparing FHA rates and terms with those offered by other loan programs. Explore your options with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® sources extensive loan program data from thousands of lenders, promptly assessing this data against your individual financial profile and specific needs.
The Loan Limits Comparison Table for 2026 in Shelby, situated in Richland, OH, presents an insightful overview of maximum loan amounts spanning FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly evaluate qualification requirements like income, reserves, and credit, utilize 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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