
Are you shopping for a home in Columbus, or elsewhere in Ohio in 2025? We have good news for you. The 2025 conforming loan limits have been raised. This change will help more people to buy a home with a conforming mortgage in 2025, rather than requiring a jumbo loan. Let’s take a look at the new conforming loan limits, and what they mean for Ohio homebuyers.
Here are the 2025 Conforming Loan Limits for Columbus, OH
According to the FHFA announcement, “In most of the United States, the 2025 CLL value for one-unit properties will be $806,500, an increase of $39,950 (or 5.2 percent) from 2024.”
Columbus is located in Franklin County. Here are the 2025 conforming loan limits for Franklin County:
- 1 unit: $806,500
- 2 units: $1,032,650
- 3 units: $1,248,150
- 4 units: $1,551,250
These also happen to be the baseline conforming loan limits. The majority of counties throughout the US have these same loan limits.
Some counties have higher average home prices, however. In those counties, sticking with the baseline conforming loan limits would not make sense. For that reason, those counties have higher conforming loan limits.
There are no such counties in Ohio, however. All of the counties in OH have the same baseline conforming loan limits that we listed above for Franklin County. So, that keeps things simple, no matter where you are shopping for a home in this state.
If you are curious, here were the conforming loan limits in 2024:
- 1 unit: $766,550
- 2 units: $981,500
- 3 units: $1,186,350
- 4 units: $1,474,400
Comparing those numbers with the 2025 conforming loan limits, you can really appreciate the increase from year to year.
How Higher Conforming Loan Limits for 2025 Benefit Homebuyers
Here is why homebuyers can celebrate the increase to the conforming loan limits in 2025. Home prices have risen year-over-year. Because the average home value is higher, more buyers may find themselves having to borrow above the 2024 conforming loan limits. The higher conforming loan limits in 2025 mean that more of those borrows may be able to qualify for a conforming loan, instead of needing a jumbo loan.
Applying for a conforming loan is a simpler and easier than applying for a jumbo mortgage. You also can usually make a lower down payment with a conforming loan than you would be required to make if you took out a jumbo mortgage.
Buy a Home in Columbus or Beyond
During your consultation, we can answer any questions you might have about conforming loans and jumbo loans, and which type of mortgage is suitable for your financial scenario and goals. Whatever your needs, we can walk you quickly and easily through the application process.
If you are ready to begin, please give us a call at (614) 505-0620. We are based in Columbus, and help borrowers buy homes and refinance throughout Ohio. We look forward to helping you.