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VA loans in Ohio

Quick answer

VA loans in Ohio let eligible veterans and service members buy with 0% down and no monthly mortgage insurance. With full entitlement there's no VA loan limit; a one-time funding fee applies unless exempt.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

VA loan snapshot for Ohio

ItemEstimate
Minimum down payment0%
Minimum credit scoreNo VA minimum (lenders often 580–620)
Typical OH home value$199,200
3.5% down on typical home$6,972
20% down on typical home$39,840
Avg. effective property tax1.36%/yr (~$226/mo)
Income for typical home (31% rule)$65,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Ohio programs pair with VA loans?

  • Your Choice! Down Payment Assistance: Forgivable assistance worth a percentage of the purchase price.
  • Ohio Heroes: A reduced rate for veterans, active military, first responders, teachers and healthcare workers.

Details and current limits: Ohio Housing Finance Agency (OHFA).

Who is eligible for a VA loan?

  • Veterans who meet minimum service requirements (commonly 90 consecutive days in wartime or 181 days in peacetime).
  • Active-duty service members after 90 continuous days.
  • National Guard and Reserve members with 6 years of service, or 90 days of active-duty service under Title 10/32.
  • Surviving spouses of service members who died in service or from a service-connected disability (in many cases).

What is the VA funding fee?

The fee can be financed into the loan. Veterans receiving VA disability compensation, and some others, are exempt. Fees shown are for purchase loans and may change.

Down paymentFirst useSubsequent use
Less than 5%2.15%3.3%
5% to under 10%1.5%1.5%
10% or more1.25%1.25%

VA loans in Ohio cities

VA in ColumbusVA in ClevelandVA in CincinnatiVA in ToledoVA in AkronVA in DaytonVA in ParmaVA in CantonVA in LorainVA in HamiltonVA in YoungstownVA in SpringfieldVA in KetteringVA in ElyriaVA in Cuyahoga FallsVA in MiddletownVA in NewarkVA in LakewoodVA in DublinVA in EuclidVA in MansfieldVA in MentorVA in BeavercreekVA in StrongsvilleVA in Cleveland HeightsVA in FairfieldVA in Huber HeightsVA in DelawareVA in Grove CityVA in ReynoldsburgVA in LancasterVA in FindlayVA in WarrenVA in WestervilleVA in HilliardVA in Upper ArlingtonVA in North RidgevilleVA in MarionVA in GahannaVA in LimaVA in BrunswickVA in MasonVA in FairbornVA in StowVA in WestlakeVA in MassillonVA in North OlmstedVA in North RoyaltonVA in AustintownVA in Bowling GreenVA in Garfield HeightsVA in Shaker HeightsVA in GreenVA in KentVA in WoosterVA in TroyVA in MarysvilleVA in MedinaVA in XeniaVA in Avon Lake

Frequently asked questions

Yes. VA loans are available statewide in Ohio through approved lenders, subject to county loan limits where they apply.

Often yes. Ohio Housing Finance Agency (OHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Ohio.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.