Mortgage lender in Delaware County, OH

Buying in Delaware County

Delaware County, with its county seat in Delaware, also takes in Powell, Sunbury, Lewis Center, Galena and part of Westerville and Dublin. Delaware 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

$591,100 (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. Delaware 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.

Delaware County: Columbus’s northern growth area

Delaware County has been the fastest-growing county in Ohio for years. Powell, Lewis Center and the Olentangy and Big Walnut school districts are largely recent subdivisions at prices well above the Columbus average, and a large share of purchases are new construction, where we match the rate lock to the completion date.

Some newer neighborhoods carry a community authority charge on top of property taxes and association dues, and we include all three in the payment. The City of Delaware has older homes at more moderate prices. North and east of it the county is still farmland, with wells and septic systems, and homes near Alum Creek and Hoover reservoirs are priced at a premium.

Delaware County by the numbers

Median home value

$445,500 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.60% of home value a year: median tax bill $7,132 on a median value of $445,500 (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

Delaware, Columbus, Powell, Westerville (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $445,500. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $591,100.

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 Delaware County buyers ask

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 Delaware County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.