In 2026, the FHA loan limit in Waterville within Lucas, OH is set at $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four units.
The maximum loan amount available for conventional loans on a single-family residence is $726,200, with limits set at $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to find out today’s most attractive FHA rates and learn about the necessary down payment, income requirements, credit reserves, and necessary documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates comprehensive loan program data from thousands of lenders and swiftly matches it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Waterville within Lucas, OH, provides a side-by-side evaluation of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare qualification requirements such as 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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