First-time and low down payment · Cleveland

FHA loans in Cleveland.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Low down payment and flexible credit for a Cleveland home you'll live in, with 2026 Cuyahoga County limits and local down payment help.

  • $541,2872026 FHA limit, 1 unit
  • 3.5%Minimum down
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What can we help you with?
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The basics

FHA in Cleveland

2026 · Cuyahoga County $541,287 FHA limit for a one-unit home. Two- to four-unit homes have higher limits.
Down payment 3.5% The FHA minimum with a 580+ credit score. Lenders set their own score minimums.
Mortgage insurance Upfront + annual FHA charges an upfront premium (usually financed) and an annual premium paid monthly.
Occupancy Primary home FHA is for a home you'll live in, including a two- to four-unit home where you live in one unit.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Help with the down payment

Programs to ask about

Questions

FHA loans in Cleveland: FAQ

What is the 2026 FHA loan limit in Cleveland?
$541,287 for a one-unit home in Cuyahoga County.
What credit score do I need for an FHA loan?
FHA allows 3.5% down with a 580 score, but most lenders set their own minimums. Nick compares lenders to find one that fits your file.
Can I combine FHA with down payment assistance in Cleveland?
Often, yes. Many state and local programs are built to sit behind an FHA first mortgage. Each has its own income and price limits.
Can I buy a duplex with an FHA loan?
Yes, if you live in one of the units. FHA covers one- to four-unit homes, and the rent from the other units can help you qualify.
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