In 2026, the FHA loan limits in Troy, Miami County of OH are $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three-unit buildings, and $907,900 for properties with four units.
The maximum amount for conventional loans on a single-family residence is $726,200, while duplexes have a limit of $929,850, triplexes $1,123,900, and four-unit structures $1,396,800.
Utilize our FHA calculator to explore today’s top FHA rates and assess the requirements for down payment, income, credit, reserves, and documentation necessary for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This enables a broad exploration and comparison.
Lendersa® quickly gathers extensive loan data from a multitude of lenders and matches it against your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Troy, Miami, OH contrasts FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. To evaluate requirements like income and reserves, 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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