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Cost of Funds Index - COFI
The Cost of Funds Index is one of the many interest rate indexes used to determine interest rate adjustments on an adjustable rate mortgages.

First Mortgage (Refinance and Purchase) Conforming Loan Limits:
Effective January 1, 2006

Single Family Residence Two Family Residence Three Family Residence Four Family Residence
$417,000 $533,850 $645,300 $801,950
Mortgage Loan Limits are 50% higher in Alaska, Hawaii, Guam, and the U.S. Virgin Islands are 50 percent higher than the mortgage limits for the rest of the country.

Second Mortgage (HELOC, Second Trust Deed):
$208,500
$312,750 in Alaska, Hawaii, Guam, and the U.S. Virgin Islands

FHA mortgage loan limts by County:
County Single Family 2 Units 3 Units 4 Units
ADAMS $200,160 $256,248 $256,248 $309,744
ALLEN $200,160 $256,248 $256,248 $309,744
ASHLAND $200,160 $256,248 $256,248 $309,744
ASHTABULA $221,006 $256,248 $256,248 $309,744
ATHENS $200,160 $256,248 $256,248 $309,744
AUGLAIZE $200,160 $256,248 $256,248 $309,744
BELMONT $200,160 $256,248 $256,248 $309,744
BROWN $228,000 $256,800 $256,800 $312,000
BUTLER $228,000 $256,800 $256,800 $312,000
CARROLL $200,160 $256,248 $256,248 $309,744
CHAMPAIGN $200,160 $256,248 $256,248 $309,744
CLARK $200,160 $256,248 $256,248 $309,744
CLERMONT $228,000 $256,800 $256,800 $312,000
CLINTON $200,160 $256,248 $256,248 $309,744
COLUMBIANA $200,160 $256,248 $256,248 $309,744
COSHOCTON $200,160 $256,248 $256,248 $309,744
CRAWFORD $200,160 $256,248 $256,248 $309,744
CUYAHOGA $221,006 $256,248 $256,248 $309,744
DARKE $200,160 $256,248 $256,248 $309,744
DEFIANCE $200,160 $256,248 $256,248 $309,744
DELAWARE $233,700 $263,220 $263,220 $319,800
ERIE $200,160 $256,248 $256,248 $309,744
FAIRFIELD $233,700 $263,220 $263,220 $319,800
FAYETTE $200,160 $256,248 $256,248 $309,744
FRANKLIN $233,700 $263,220 $263,220 $319,800
FULTON $200,160 $256,248 $256,248 $309,744
GALLIA $200,160 $256,248 $256,248 $309,744
GEAUGA $221,006 $256,248 $256,248 $309,744
GREENE $206,150 $256,248 $256,248 $309,744
GUERNSEY $200,160 $256,248 $256,248 $309,744
HAMILTON $228,000 $256,800 $256,800 $312,000
HANCOCK $200,160 $256,248 $256,248 $309,744
HARDIN $200,160 $256,248 $256,248 $309,744
HARRISON $200,160 $256,248 $256,248 $309,744
HENRY $200,160 $256,248 $256,248 $309,744
HIGHLAND $200,160 $256,248 $256,248 $309,744
HOCKING $200,160 $256,248 $256,248 $309,744
HOLMES $200,160 $256,248 $256,248 $309,744
HURON $200,160 $256,248 $256,248 $309,744
JACKSON $200,160 $256,248 $256,248 $309,744
JEFFERSON $200,160 $256,248 $256,248 $309,744
KNOX $200,160 $256,248 $256,248 $309,744
LAKE $221,006 $256,248 $256,248 $309,744
LAWRENCE $200,160 $256,248 $256,248 $309,744
LICKING $233,700 $263,220 $263,220 $319,800
LOGAN $200,160 $256,248 $256,248 $309,744
LORAIN $221,006 $256,248 $256,248 $309,744
LUCAS $200,160 $256,248 $256,248 $309,744
MADISON $233,700 $263,220 $263,220 $319,800
MAHONING $200,160 $256,248 $256,248 $309,744
MARION $200,160 $256,248 $256,248 $309,744
MEDINA $221,006 $256,248 $256,248 $309,744
MEIGS $200,160 $256,248 $256,248 $309,744
MERCER $200,160 $256,248 $256,248 $309,744
MIAMI $206,150 $256,248 $256,248 $309,744
MONROE $200,160 $256,248 $256,248 $309,744
MONTGOMERY $206,150 $256,248 $256,248 $309,744
MORGAN $200,160 $256,248 $256,248 $309,744
MORROW $233,700 $263,220 $263,220 $319,800
MUSKINGUM $200,160 $256,248 $256,248 $309,744
NOBLE $200,160 $256,248 $256,248 $309,744
OTTAWA $200,160 $256,248 $256,248 $309,744
PAULDING $200,160 $256,248 $256,248 $309,744
PERRY $200,160 $256,248 $256,248 $309,744
PICKAWAY $233,700 $263,220 $263,220 $319,800
PIKE $200,160 $256,248 $256,248 $309,744
PORTAGE $242,250 $272,850 $272,850 $331,500
PREBLE $206,150 $256,248 $256,248 $309,744
PUTNAM $200,160 $256,248 $256,248 $309,744
RICHLAND $200,160 $256,248 $256,248 $309,744
ROSS $200,160 $256,248 $256,248 $309,744
SANDUSKY $200,160 $256,248 $256,248 $309,744
SCIOTO $200,160 $256,248 $256,248 $309,744
SENECA $200,160 $256,248 $256,248 $309,744
SHELBY $200,160 $256,248 $256,248 $309,744
STARK $200,160 $256,248 $256,248 $309,744
SUMMIT $242,250 $272,850 $272,850 $331,500
TRUMBULL $200,160 $256,248 $256,248 $309,744
TUSCARAWAS $200,160 $256,248 $256,248 $309,744
UNION $233,700 $263,220 $263,220 $319,800
VAN WERT $200,160 $256,248 $256,248 $309,744
VINTON $200,160 $256,248 $256,248 $309,744
WARREN $228,000 $256,800 $256,800 $312,000
WASHINGTON $200,160 $256,248 $256,248 $309,744
WAYNE $200,160 $256,248 $256,248 $309,744
WILLIAMS $200,160 $256,248 $256,248 $309,744
WOOD $200,160 $256,248 $256,248 $309,744
WYANDOT $200,160 $256,248 $256,248 $309,744