Home / Where we lend / Ohio / Cuyahoga County
Northeast Ohio · OhioMortgage lender in Cuyahoga County, OH
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Ohio and makes purchase and refinance loans in Cuyahoga County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Ohio. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Cuyahoga County
Cuyahoga County, with its county seat in Cleveland, also takes in Parma, Lakewood, Euclid, Cleveland Heights, Strongsville and Westlake. Cuyahoga County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Ohio, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Ohio Housing Finance Agency (OHFA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Cuyahoga County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Cuyahoga County: Cleveland and the inner-ring suburbs
Housing here is older and moderately priced, which makes FHA loans and Ohio’s first-time buyer programs common fits. Two-family homes are everywhere in Cleveland, Lakewood and Cleveland Heights; buying one to live in follows owner-occupant rules, and rent from the other unit can sometimes be counted.
Several suburbs require a city inspection before a home changes hands, and the buyer may have to take on listed repairs or put money in escrow for them, so ask your agent about the city’s point-of-sale rules. Property tax rates differ a great deal from one suburb to the next. Westlake, Strongsville and Solon are newer and higher-priced.
Cuyahoga County by the numbers
- Median home value
- $195,400 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 2.00% of home value a year: median tax bill $3,910 on a median value of $195,400 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- County conveyance fee plus a county transfer tax of up to $3 per $1,000 of value, so the rate depends on the county (Ohio Revised Code § 322.02)
- Largest communities
- Cleveland, Parma, Lakewood, Euclid (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $195,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Ohio
Closings in Ohio are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Ohio page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Cuyahoga County buyers ask
Does Stellar Mortgage lend in Cuyahoga County, OH?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Ohio and makes purchase and refinance loans in Cuyahoga County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Ohio and works Ohio files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Cuyahoga County?
For 2026 the conforming loan limit for a one-unit home in Cuyahoga County is $832,750 and the FHA limit is $541,287. Cuyahoga County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Cuyahoga County?
The Ohio Housing Finance Agency (OHFA) runs Ohio’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Cuyahoga County?
Ohio counties charge a conveyance fee when a deed is recorded and may add a transfer tax of up to $3 per $1,000 of value, so the rate depends on the county. The contract sets who pays.
Ohio notice. Stellar Mortgage Corporation, NMLS #2190975, 729 Grove Ave., Second Floor, Southampton, PA 18966.
Limits shown are the 2026 FHFA and HUD figures for Cuyahoga County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Cuyahoga County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
Ready to see what you qualify for?