FHA Loan Limits in Kentucky (KY)

Residents of the “Bluegrass State” should be aware that FHA mortgage and refinance loans are a great option these days when financing their Kentucky home. In today’s market, it can sometimes be difficult to qualify for a mortgage, but FHA loans have less stringent guidelines.

The Federal Housing Administration is not a lender. Instead they insure mortgages issued by FHA-approved lenders. The insurance they provide makes these lenders take on additional risk that they might not have otherwise. So FHA qualification guidelines are simple in comparison to other types of mortgages, and the down payments required for these loans can be as little as 3.5%.

The maximum amount that an individual can borrow under an FHA-insured loan is based on the KY county where you live and the number of units on the property. Refer to the table below for FHA loan limits in your Kentucky county.

Kentucky FHA Loan Limits by County

Kentucky County: Adair

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Allen

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Anderson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Ballard

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Barren

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Bath

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Bell

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Boone

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Bourbon

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Boyd

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Boyle

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Bracken

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Breathitt

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Breckinridge

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Bullitt

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Butler

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Caldwell

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Calloway

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Campbell

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Carlisle

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Carroll

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Carter

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Casey

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Christian

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Clark

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Clay

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Clinton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Crittenden

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Cumberland

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Daviess

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Edmonson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Elliott

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Estill

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Fayette

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Fleming

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Floyd

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Franklin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Fulton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Gallatin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Garrard

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Grant

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Graves

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Grayson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Green

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Greenup

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Hancock

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Hardin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Harlan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Harrison

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Hart

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Henderson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Henry

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Hickman

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Hopkins

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Jackson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Jefferson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Jessamine

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Johnson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Kenton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Knott

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Knox

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Larue

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Laurel

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Lawrence

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Lee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Leslie

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Letcher

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Lewis

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Lincoln

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Livingston

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Logan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Lyon

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Mccracken

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Mccreary

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Mclean

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Madison

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Magoffin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Marion

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Marshall

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Martin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Mason

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Meade

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Menifee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Mercer

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Metcalfe

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Monroe

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Montgomery

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Morgan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Muhlenberg

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Nelson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Nicholas

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Ohio

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Oldham

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Owen

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Owsley

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Pendleton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	337500	432050	522250	649050

 

Kentucky County: Perry

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Pike

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Powell

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Pulaski

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Robertson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Rockcastle

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Rowan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Russell

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Scott

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Shelby

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Simpson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Spencer

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Taylor

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Todd

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Trigg

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Trimble

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	302500	387250	468100	581750

 

Kentucky County: Union

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Warren

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Washington

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Wayne

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Webster

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Whitley

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Wolfe

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

Kentucky County: Woodford

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250