For the year 2026, the FHA loan limits set within Wooster in Wayne County, OH are structured as follows: $472,030 for a single-family home, $604,400 for a two-unit residence, $730,525 for properties with three units, and $907,900 for buildings containing four units.
The peak limits for conventional loans on single-family dwellings are set at $726,200. For two-unit homes, the cap is $929,850. For three-unit properties, restrictions are at $1,123,900, while those having four units have a limit of $1,396,800.
Our FHA calculator provides access to today’s optimal FHA rates and helps assess down payment needs, income requirements, credit worthiness, reserve conditions, and the necessary documentation for loan qualification.
The Lendersa® calculator gives you the power to compare FHA rates and conditions with all other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Conduct thorough comparisons and evaluations to find the best fit.
Lendersa® fetches extensive loan data from a myriad of lenders, allowing it to promptly match options against your detailed financial profile and needs.
This year's Loan Limits Comparison Table for Wooster, positioned in Wayne, OH, allows for comprehensive evaluations of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Assessment of qualification standards such as income, reserve conditions, and credit can be conducted with Lendersa®'s 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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