In the year 2026, the USDA loan limit in Toledo, within Lucas county, OH, is set at $336,500. Meanwhile, for a single-family dwelling, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to assess and compare today's optimal USDA versus FHA rates. Determine the necessary income, credit rating, reserves, and documentation needed for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most suitable program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Toledo, Lucas County, OH
Type of Loan
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Toledo, OH
Lendersa® aims to secure you the most favorable USDA or FHA loan quickly and smoothly. Choose one of three starting points to connect with the right lenders and USDA loan products.
The USDA home loan is endorsed by the U.S. Department of Agriculture. Known as a USDA rural development loan or USDA mortgage, it's available only in rural areas. FHA loans demand a minimum 3.5% down payment, but no such requirement exists for USDA mortgages, making them more accessible in certain situations.
Educational Community Alliance Credit Union is the financial partner for Toledo educators, administrators, and staff. Similar to banks, you’ll find offerings like car loans, credit cards, and checking accounts; however, unlike big banks, we serve the Toledo educational system exclusively and are not-for-profit. Instead of answering to
Waterford Bank was founded by three individuals who together have more than 100 years of banking experience.
From the beginning, Waterford chose to differentiate itself:
The Bank is staffed with experienced talent that shares a commitment to have Waterford be the preeminent provider of integrated, customized financial services.
"Founded in 1942, Maumee Valley Credit Union is celebrating its 78th anniversary this year.
Our original field of membership consisted of employees of the New York Central Railroad, Penn Central Railroad, and Consolidated Rail Corporation. With increased popularity and demand for credit union services we began to expand our field of membership
Champion Credit Union was chartered by the state of Ohio in 1941. Since that time Champion Credit Union has grown to include more than 5, 900 members and assets of over 75 million dollars. The credit union began in the shipping room in 1942, but due to growth, has expanded with three locations to serve members
Midwest Mortgage is dedicated to making the mortgage loan process quick and easy for you! We provide a variety of mortgage loan types for purchase and refinance. You can be sure the mortgage loan you choose is exactly right for your budget and situation.We offer the most competitive interest rates in Ohio, and serve customers with mortgage loans.
We here at the Toledo Police Federal Credit Union are proud to be a part of the credit union movement since we were chartered by the NCUA on March 18, 1940. Since that time we have had the opportunity to provide our members with personalized services to meet their financial needs.
7030 Spring Meadows West Drive, Holland, OH, 43528
Lends in Ohio
Jeep Country Federal Credit Union is a member owned financial cooperative that is committed to providing friendly, personal, convenient and competitive services to its member owners. The Credit Union desires to build lasting relationships with our members in order to enable our members to achieve
We provide mortgage loans for home purchasing and refinancing in Ohio and Michigan. If you are looking to buy a home or refinance an existing mortgage, please call for a no-cost analysis of your options. We provide 24 hour pre-approvals, and strive to create "Raving Fans" of our clients.
Sun Federal is a full-service financial cooperative, established in 1950. As an employee, retiree, member or student of one of our sponsor groups, or if you live, work, worship, attend school or regularly conduct business in a designated development area, you and members of your immediate family or household are eligible to join Sun Federal
