Dayton, OH
First-time buying in Dayton, OH? Start here.
A Dayton home within reach: FHA, conventional, first-time-buyer — run against your real Dayton numbers, Oregon District to the far side of Dayton.
Can Choice Home Mortgage help me buy a home in Dayton, OH?
Yes. Choice Home Mortgage helps Dayton buyers and homeowners through licensed partner brokers who handle the Ohio licensing, while we coordinate the Dayton file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For 2026, a one-unit Dayton home can carry a conforming loan of up to $832,750, the Montgomery County limit FHFA sets, and we check where your Dayton price falls before you write an offer. The whole process runs by phone and online.
Buying in Dayton: the numbers that matter.
Dayton anchors the Miami Valley as a hub for aerospace, defense, and healthcare, with Wright-Patterson Air Force Base as the largest area employer and a research ecosystem from the University of Dayton to Wright State; walkable historic districts deliver Craftsman and Victorian stock at among the most attainable prices in any major Ohio metro.
Financing follows that Dayton math. A one-unit Dayton purchase conforms to $832,750 in 2026 — the national baseline Montgomery County runs on. That $832,750 ceiling covers most Dayton price points — conventional, FHA, down-payment-assistance all stay on the Dayton table. Dayton’s price tier is entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 143,000-plus people live in Dayton — Oregon District, Dayton View, and between — a short drive from Beavercreek or Huber Heights. Ask us about Dayton blocks near the National Museum of the US Air Force — that’s the level we work at. Name the Dayton neighborhood — Oregon District, South Park, Wright-Dunbar Village, and Dayton View or beyond — and we finance there. No drive needed in Dayton: licensed partner brokers originate Dayton loans, we coordinate them by phone and online, and our read on the Dayton market comes with it. Of the 33 Ohio cities we serve, Dayton plays by its own numbers — that’s the point: the Dayton file, not a state template.
Dayton deserves a real broker.
Dayton, block by block
We work Dayton street by street — Oregon District, South Park, Wright-Dunbar Village and beyond — matching each neighborhood's prices to programs that fit.
First Dayton home help
Dayton budgets get the full toolkit — FHA, conventional, first-time-buyer — plus every assistance program a Dayton file can claim.
We shop; you choose
Instead of one bank's rates, your Dayton application sees many lenders competing — that's the whole point of working with us.
Owner-coordinated
Owner Esther Buede coordinates your Dayton loan personally, the named expert Dayton clients would find praised across our Google reviews.
One owner, coordinating your whole loan.
Your Dayton loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from South Park across the Dayton map. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Dayton purchase, not a template.
Dayton’s pull — think the National Museum of the US Air Force — keeps FHA work coming. FHA, conventional, first-time-buyer carry most of our Dayton work (via our licensed partner-broker network) — and beyond those, Dayton buyers get the full menu: non-QM, conventional, an FHA loan, and VA. Start when you’re ready: buying, refinancing your mortgage, or just exploring — start your application here or call (949) 522-7310.
Dayton files here lean on FHA, conventional, first-time-buyer, down-payment-assistance.
Dayton 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s. Want every unit count, not just single-family? Montgomery County’s 2026 loan limits page has the full table.
Buyers in Beavercreek, Huber Heights, Kettering get the same treatment as Dayton files. More Ohio cities we work in →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Dayton, OH buyers through licensed partner brokers. Equal Housing Opportunity. We serve Dayton remotely; there is no local Dayton office.
Straight answers for Dayton buyers.
How high can a conforming loan go in Dayton?
$832,750 is the 2026 conforming limit for a single-family home in Dayton, based on FHFA's figure for Montgomery County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Montgomery County can borrow up to $1,066,250 and stay conforming.
Which programs fit Dayton first-time buyers?
FHA and conventional loans fit most first-time buyers in Dayton, and the right one depends on your credit score and down payment. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Montgomery County is $541,287.
Which Dayton neighborhoods do you serve?
All of them, from Oregon District to Dayton View; the rest of Dayton is covered too. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. FHFA's 2026 one-unit limit for Montgomery County is $832,750.
Can an out-of-state broker really cover Dayton, OH?
Yes, because a licensed partner broker in Ohio originates the Dayton loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Dayton office, so the application, documents and updates run by phone and online.
Can you help outside Dayton too?
Yes. Our coverage goes past Dayton to Beavercreek, Huber Heights and Kettering. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Dayton file.
How do we work together on a Dayton purchase?
We start with a call to map your Dayton purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Ohio licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Your Dayton keys are the goal.
Talk to the owner directly. We'll map the right loan for your Dayton home and put lenders in competition for Dayton business.