What are FHA Loan Limits in Kentucky?

FHA loans are a low down payment mortgage program and Kentucky FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Kentucky are set at the floor amount of $275,665 across nearly the entire state.

Kentucky FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAIRNON-METRO$275,665$352,950$426,625$530,150
ALLENBOWLING GREEN, KY$275,665$352,950$426,625$530,150
ANDERSONFRANKFORT, KY$275,665$352,950$426,625$530,150
BALLARDPADUCAH, KY-IL$275,665$352,950$426,625$530,150
BARRENGLASGOW, KY$275,665$352,950$426,625$530,150
BATHMOUNT STERLING, KY$275,665$352,950$426,625$530,150
BELLMIDDLESBOROUGH, KY$275,665$352,950$426,625$530,150
BOONECINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
BOURBONLEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150
BOYDHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
BOYLEDANVILLE, KY$275,665$352,950$426,625$530,150
BRACKENCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
BREATHITTNON-METRO$275,665$352,950$426,625$530,150
BRECKINRIDGENON-METRO$275,665$352,950$426,625$530,150
BULLITTLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
BUTLERBOWLING GREEN, KY$275,665$352,950$426,625$530,150
CALDWELLNON-METRO$275,665$352,950$426,625$530,150
CALLOWAYMURRAY, KY$275,665$352,950$426,625$530,150
CAMPBELLCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
CARLISLENON-METRO$275,665$352,950$426,625$530,150
CARROLLNON-METRO$275,665$352,950$426,625$530,150
CARTERNON-METRO$275,665$352,950$426,625$530,150
CASEYNON-METRO$275,665$352,950$426,625$530,150
CHRISTIANCLARKSVILLE, TN-KY$275,665$352,950$426,625$530,150
CLARKLEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150
CLAYNON-METRO$275,665$352,950$426,625$530,150
CLINTONNON-METRO$275,665$352,950$426,625$530,150
CRITTENDENNON-METRO$275,665$352,950$426,625$530,150
CUMBERLANDNON-METRO$275,665$352,950$426,625$530,150
DAVIESSOWENSBORO, KY$275,665$352,950$426,625$530,150
EDMONSONBOWLING GREEN, KY$275,665$352,950$426,625$530,150
ELLIOTTNON-METRO$275,665$352,950$426,625$530,150
ESTILLNON-METRO$275,665$352,950$426,625$530,150
FAYETTELEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150
FLEMINGNON-METRO$275,665$352,950$426,625$530,150
FLOYDNON-METRO$275,665$352,950$426,625$530,150
FRANKLINFRANKFORT, KY$275,665$352,950$426,625$530,150
FULTONUNION CITY, TN-KY$275,665$352,950$426,625$530,150
GALLATINCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
GARRARDNON-METRO$275,665$352,950$426,625$530,150
GRANTCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
GRAVESMAYFIELD, KY$275,665$352,950$426,625$530,150
GRAYSONNON-METRO$275,665$352,950$426,625$530,150
GREENNON-METRO$275,665$352,950$426,625$530,150
GREENUPHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
HANCOCKOWENSBORO, KY$275,665$352,950$426,625$530,150
HARDINELIZABETHTOWN-FORT KNOX, KY$275,665$352,950$426,625$530,150
HARLANNON-METRO$275,665$352,950$426,625$530,150
HARRISONNON-METRO$275,665$352,950$426,625$530,150
HARTNON-METRO$275,665$352,950$426,625$530,150
HENDERSONEVANSVILLE, IN-KY$275,665$352,950$426,625$530,150
HENRYLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
HICKMANNON-METRO$275,665$352,950$426,625$530,150
HOPKINSMADISONVILLE, KY$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
JESSAMINELEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150
JOHNSONNON-METRO$275,665$352,950$426,625$530,150
KENTONCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
KNOTTNON-METRO$275,665$352,950$426,625$530,150
KNOXLONDON, KY$275,665$352,950$426,625$530,150
LARUEELIZABETHTOWN-FORT KNOX, KY$275,665$352,950$426,625$530,150
LAURELLONDON, KY$275,665$352,950$426,625$530,150
LAWRENCENON-METRO$275,665$352,950$426,625$530,150
LEENON-METRO$275,665$352,950$426,625$530,150
LESLIENON-METRO$275,665$352,950$426,625$530,150
LETCHERNON-METRO$275,665$352,950$426,625$530,150
LEWISNON-METRO$275,665$352,950$426,625$530,150
LINCOLNDANVILLE, KY$275,665$352,950$426,625$530,150
LIVINGSTONPADUCAH, KY-IL$275,665$352,950$426,625$530,150
LOGANNON-METRO$275,665$352,950$426,625$530,150
LYONNON-METRO$275,665$352,950$426,625$530,150
MADISONRICHMOND-BEREA, KY$275,665$352,950$426,625$530,150
MAGOFFINNON-METRO$275,665$352,950$426,625$530,150
MARIONNON-METRO$275,665$352,950$426,625$530,150
MARSHALLNON-METRO$275,665$352,950$426,625$530,150
MARTINNON-METRO$275,665$352,950$426,625$530,150
MASONMAYSVILLE, KY$275,665$352,950$426,625$530,150
MCCRACKENPADUCAH, KY-IL$275,665$352,950$426,625$530,150
MCCREARYNON-METRO$275,665$352,950$426,625$530,150
MCLEANOWENSBORO, KY$275,665$352,950$426,625$530,150
MEADEELIZABETHTOWN-FORT KNOX, KY$275,665$352,950$426,625$530,150
MENIFEEMOUNT STERLING, KY$275,665$352,950$426,625$530,150
MERCERNON-METRO$275,665$352,950$426,625$530,150
METCALFEGLASGOW, KY$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYMOUNT STERLING, KY$275,665$352,950$426,625$530,150
MORGANNON-METRO$275,665$352,950$426,625$530,150
MUHLENBERGNON-METRO$275,665$352,950$426,625$530,150
NELSONBARDSTOWN, KY$275,665$352,950$426,625$530,150
NICHOLASNON-METRO$275,665$352,950$426,625$530,150
OHIONON-METRO$275,665$352,950$426,625$530,150
OLDHAMLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
OWENNON-METRO$275,665$352,950$426,625$530,150
OWSLEYNON-METRO$275,665$352,950$426,625$530,150
PENDLETONCINCINNATI, OH-KY-IN$275,665$352,950$426,625$530,150
PERRYNON-METRO$275,665$352,950$426,625$530,150
PIKENON-METRO$275,665$352,950$426,625$530,150
POWELLNON-METRO$275,665$352,950$426,625$530,150
PULASKISOMERSET, KY$275,665$352,950$426,625$530,150
ROBERTSONNON-METRO$275,665$352,950$426,625$530,150
ROCKCASTLERICHMOND-BEREA, KY$275,665$352,950$426,625$530,150
ROWANNON-METRO$275,665$352,950$426,625$530,150
RUSSELLNON-METRO$275,665$352,950$426,625$530,150
SCOTTLEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150
SHELBYLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
SIMPSONNON-METRO$275,665$352,950$426,625$530,150
SPENCERLOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
TAYLORCAMPBELLSVILLE, KY$275,665$352,950$426,625$530,150
TODDNON-METRO$275,665$352,950$426,625$530,150
TRIGGCLARKSVILLE, TN-KY$275,665$352,950$426,625$530,150
TRIMBLELOUISVILLE/JEFFERSON , KY-IN$299,000$382,750$462,650$575,000
UNIONNON-METRO$275,665$352,950$426,625$530,150
WARRENBOWLING GREEN, KY$275,665$352,950$426,625$530,150
WASHINGTONNON-METRO$275,665$352,950$426,625$530,150
WAYNENON-METRO$275,665$352,950$426,625$530,150
WEBSTERNON-METRO$275,665$352,950$426,625$530,150
WHITLEYLONDON, KY$275,665$352,950$426,625$530,150
WOLFENON-METRO$275,665$352,950$426,625$530,150
WOODFORDLEXINGTON-FAYETTE, KY$275,665$352,950$426,625$530,150

Kentucky FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Kentucky FHA Limits Set?

Kentucky FHA Loan LimitsMortgage limits for Kentucky FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

KY FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in KY is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in KY is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Kentucky FHA loan limits are set above the floor amount in areas near Louisville and Cincinnati, OH. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

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