In 2026, the FHA loan limits in the county of Lucas, based in Toledo, OH, are: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for properties with four units.
The maximum for conventional loans reaches $726,200 for a single-family home. Duplexes have limits of $929,850, triplexes go up to $1,123,900, and four-plexes are capped at $1,396,800.
Our FHA calculator can show today’s top FHA rates and guide you through determining the required downpayment, income, credit review, reserves, and documentation needed for qualification.
The Lendersa® calculator provides comparisons of FHA loan rates and terms with those from other types of loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With comprehensive data collected from numerous lenders, Lendersa® quickly aligns loan options to match your specific financial profile and requirements.
Refer to the Loan Limits Comparison Table for 2026 in Toledo, Lucas, OH, to compare the maximum loan amounts available 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 scrutinize qualification criteria such as income, reserves, and credit needs.
| 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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