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$331,760$424,800$513,450$638,100
ALLENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ANDERSONFRANKFORT, KY$331,760$424,800$513,450$638,100
BALLARDPADUCAH, KY-IL$331,760$424,800$513,450$638,100
BARRENGLASGOW, KY$331,760$424,800$513,450$638,100
BATHMOUNT STERLING, KY$331,760$424,800$513,450$638,100
BELLMIDDLESBOROUGH, KY$331,760$424,800$513,450$638,100
BOONECINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BOURBONLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
BOYDHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
BOYLEDANVILLE, KY$331,760$424,800$513,450$638,100
BRACKENCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
BREATHITTNON-METRO$331,760$424,800$513,450$638,100
BRECKINRIDGENON-METRO$331,760$424,800$513,450$638,100
BULLITTLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
BUTLERBOWLING GREEN, KY$331,760$424,800$513,450$638,100
CALDWELLNON-METRO$331,760$424,800$513,450$638,100
CALLOWAYMURRAY, KY$331,760$424,800$513,450$638,100
CAMPBELLCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
CARLISLENON-METRO$331,760$424,800$513,450$638,100
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CARTERHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
CASEYNON-METRO$331,760$424,800$513,450$638,100
CHRISTIANCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
CLARKLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
CLAYLONDON, KY$331,760$424,800$513,450$638,100
CLINTONNON-METRO$331,760$424,800$513,450$638,100
CRITTENDENNON-METRO$331,760$424,800$513,450$638,100
CUMBERLANDNON-METRO$331,760$424,800$513,450$638,100
DAVIESSOWENSBORO, KY$331,760$424,800$513,450$638,100
EDMONSONBOWLING GREEN, KY$331,760$424,800$513,450$638,100
ELLIOTTNON-METRO$331,760$424,800$513,450$638,100
ESTILLRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
FAYETTELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
FLEMINGNON-METRO$331,760$424,800$513,450$638,100
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FRANKLINFRANKFORT, KY$331,760$424,800$513,450$638,100
FULTONNON-METRO$331,760$424,800$513,450$638,100
GALLATINCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GARRARDNON-METRO$331,760$424,800$513,450$638,100
GRANTCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
GRAVESMAYFIELD, KY$331,760$424,800$513,450$638,100
GRAYSONNON-METRO$331,760$424,800$513,450$638,100
GREENCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
GREENUPHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
HANCOCKOWENSBORO, KY$331,760$424,800$513,450$638,100
HARDINELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
HARLANNON-METRO$331,760$424,800$513,450$638,100
HARRISONNON-METRO$331,760$424,800$513,450$638,100
HARTNON-METRO$331,760$424,800$513,450$638,100
HENDERSONEVANSVILLE, IN-KY$331,760$424,800$513,450$638,100
HENRYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
HICKMANNON-METRO$331,760$424,800$513,450$638,100
HOPKINSMADISONVILLE, KY$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
JESSAMINELEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
KENTONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
KNOTTNON-METRO$331,760$424,800$513,450$638,100
KNOXLONDON, KY$331,760$424,800$513,450$638,100
LARUEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
LAURELLONDON, KY$331,760$424,800$513,450$638,100
LAWRENCENON-METRO$331,760$424,800$513,450$638,100
LEENON-METRO$331,760$424,800$513,450$638,100
LESLIENON-METRO$331,760$424,800$513,450$638,100
LETCHERNON-METRO$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNDANVILLE, KY$331,760$424,800$513,450$638,100
LIVINGSTONPADUCAH, KY-IL$331,760$424,800$513,450$638,100
LOGANNON-METRO$331,760$424,800$513,450$638,100
LYONNON-METRO$331,760$424,800$513,450$638,100
MADISONRICHMOND-BEREA, KY$331,760$424,800$513,450$638,100
MAGOFFINNON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARSHALLNON-METRO$331,760$424,800$513,450$638,100
MARTINNON-METRO$331,760$424,800$513,450$638,100
MASONMAYSVILLE, KY$331,760$424,800$513,450$638,100
MCCRACKENPADUCAH, KY-IL$331,760$424,800$513,450$638,100
MCCREARYNON-METRO$331,760$424,800$513,450$638,100
MCLEANOWENSBORO, KY$331,760$424,800$513,450$638,100
MEADEELIZABETHTOWN-FORT KNOX, KY$331,760$424,800$513,450$638,100
MENIFEEMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MERCERNON-METRO$331,760$424,800$513,450$638,100
METCALFEGLASGOW, KY$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYMOUNT STERLING, KY$331,760$424,800$513,450$638,100
MORGANNON-METRO$331,760$424,800$513,450$638,100
MUHLENBERGCENTRAL CITY, KY$331,760$424,800$513,450$638,100
NELSONBARDSTOWN, KY$331,760$424,800$513,450$638,100
NICHOLASNON-METRO$331,760$424,800$513,450$638,100
OHIONON-METRO$331,760$424,800$513,450$638,100
OLDHAMLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
OWENNON-METRO$331,760$424,800$513,450$638,100
OWSLEYNON-METRO$331,760$424,800$513,450$638,100
PENDLETONCINCINNATI, OH-KY-IN$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PIKENON-METRO$331,760$424,800$513,450$638,100
POWELLNON-METRO$331,760$424,800$513,450$638,100
PULASKISOMERSET, KY$331,760$424,800$513,450$638,100
ROBERTSONNON-METRO$331,760$424,800$513,450$638,100
ROCKCASTLENON-METRO$331,760$424,800$513,450$638,100
ROWANNON-METRO$331,760$424,800$513,450$638,100
RUSSELLNON-METRO$331,760$424,800$513,450$638,100
SCOTTLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100
SHELBYLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
SIMPSONNON-METRO$331,760$424,800$513,450$638,100
SPENCERLOUISVILLE/JEFFERSON COUNTY, KY-IN$333,500$426,950$516,050$641,350
TAYLORCAMPBELLSVILLE, KY$331,760$424,800$513,450$638,100
TODDNON-METRO$331,760$424,800$513,450$638,100
TRIGGCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
TRIMBLENON-METRO$331,760$424,800$513,450$638,100
UNIONNON-METRO$331,760$424,800$513,450$638,100
WARRENBOWLING GREEN, KY$331,760$424,800$513,450$638,100
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WHITLEYLONDON, KY$331,760$424,800$513,450$638,100
WOLFENON-METRO$331,760$424,800$513,450$638,100
WOODFORDLEXINGTON-FAYETTE, KY$331,760$424,800$513,450$638,100

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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