2026 loan limits in Lucas County, Ohio
In Lucas County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Lucas County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Lucas County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Lucas County?
$541,287 for a one-unit home.
More for Lucas County
Lucas County property taxesFHA loan limits toolOhio closing costsBerkey 43504 market dataCurtice 43412 market dataHarbor View 43434 market dataHolland 43528 market dataMaumee 43537 market dataMonclova 43542 market dataNeapolis 43547 market dataOregon 43616 market dataSylvania 43560 market dataToledo 43604 market data
2026 limits from HUD’s county files (Toledo, Oh). Conforming limits are set by the Federal Housing Finance Agency.