What is the 2026 FHA loan limit in Toledo?

$541,287 for a one-unit home in Lucas County, the national FHA floor.

Does Toledo have down payment assistance?

Yes. The Home at Last grant offers up to $12,500, or $20,000 in target neighborhoods, for eligible first-time buyers.

What does a Toledo rental need?

County rental registration, and for one- to four-unit homes built before 1978, a passed lead clearance inspection and a city Lead-Safe Certificate.

Is Nick Grisanti licensed to lend in Toledo?

Yes. Nick is licensed as a Mortgage Loan Originator in Ohio (OH #MLO-OH.2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.

Lucas County · Ohio

Mortgages in Toledo.

Nick Grisanti

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

Purchase, refinance and rental property loans in Toledo and Lucas County, from 100+ wholesale lenders through C2 Financial Corporation.

$541,2872026 FHA limit, Lucas County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

Toledo by the numbers

Toledo is an affordable market with a generous city down payment grant, and a lead-safe law that rental investors need to plan for.

FHA · 1 unit · Lucas County $541,287 The national floor, which covers most purchase prices here.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

City income tax 2.5% Toledo's municipal income tax rate. Lenders count it in take-home pay.

Conveyance fee $4 Per $1,000 of the sale price in Lucas County (plus a $0.50 per-parcel transfer fee), including the state's $1. Usually paid by the seller.

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.

Local rules and costs

What buyers in Toledo should know

Rentals Lead-safe certificate for pre-1978 rentals One- to four-unit rentals built before 1978 must be registered with the county, pass a clearance inspection and get a city Lead-Safe Certificate before a new tenant moves in. Toledo Lead Safe → First-time buyers Home at Last grant Toledo's grant gives up to $12,500, or up to $20,000 in target neighborhoods, to first-time buyers at or under 80% of area income in city limits. City grant → First-time buyers Ohio Housing Finance Agency OHFA's Your Choice! down payment assistance gives 3% (conventional) or 3.5% (FHA, VA, USDA) as a 0% second mortgage, plus a lower rate for Ohio Heroes and help for recent graduates. Income limits apply. OHFA programs → Taxes Rental tax credit is phasing out Under 2025 reform, the 10% credit on rental and investment property drops to 7.5% for tax year 2026 and to zero by 2029, while the owner-occupied credit grows. Budget a rising tax bill on rentals. Ohio tax reform → Investors Rental property in Toledo A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Toledo. How DSCR works →

About Toledo

Living and buying in Toledo

Toledo's major employers include ProMedica, Mercy Health, the University of Toledo, Owens Corning's headquarters and Stellantis's Jeep assembly plant.

Buyers look at historic homes in the Old West End, West Toledo and Point Place, and suburbs such as Sylvania, Perrysburg and Maumee.

Neighborhoods

Where buyers look

Old West End
West Toledo
Point Place
Ottawa Hills
Sylvania
Perrysburg
Maumee

Schools: Toledo Public Schools. Check the district for any specific address before you buy.

Loans in Toledo

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Toledo home you'll live in, with local down payment help. FHA in Toledo → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Toledo rental on the property's rental income. DSCR in Toledo → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Toledo mortgage FAQ

What is the 2026 FHA loan limit in Toledo?: $541,287 for a one-unit home in Lucas County, the national FHA floor.
Does Toledo have down payment assistance?: Yes. The Home at Last grant offers up to $12,500, or $20,000 in target neighborhoods, for eligible first-time buyers.
What does a Toledo rental need?: County rental registration, and for one- to four-unit homes built before 1978, a passed lead clearance inspection and a city Lead-Safe Certificate.
Is Nick Grisanti licensed to lend in Toledo?: Yes. Nick is licensed as a Mortgage Loan Originator in Ohio (OH #MLO-OH.2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.