VA Loan Limits in Ohio (2026)
For 2026, the VA county loan limit for most Ohio counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Ohio has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Ohio — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Ohio
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Franklin County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cuyahoga County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hamilton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Summit County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lucas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Stark County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Butler County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lorain County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mahoning County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Lake County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Warren County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clermont County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Delaware County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Trumbull County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Medina County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Licking County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Greene County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fairfield County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wood County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Portage County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Clark County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Geauga County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Allen County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Richland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wayne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Columbiana County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Tuscarawas County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Miami County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ashtabula County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Ohio's median home price is roughly $230,000. With $0 down and no PMI, an example VA payment near that price is about $1,857/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Ohio
The VA home-loan benefit lets eligible Ohio veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Ohio for 2026?
- With full entitlement, none. For partial entitlement, most Ohio counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Ohio require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.