USDA Guaranteed Loans are the most popular rural development mortgage program in Kentucky.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with Kentucky USDA income limits playing a major role.  Guaranteed Loan income limits across KY are listed below.

Kentucky USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adair County, KY$86,850$114,650
Allen County, KY HUD Metro FMR Area$86,850$114,650
Anderson County, KY$86,850$114,650
Ballard County, KY$86,850$114,650
Barren County, KY$86,850$114,650
Bath County, KY$86,850$114,650
Bell County, KY$86,850$114,650
Bowling Green, KY HUD Metro FMR Area$86,850$114,650
Boyle County, KY$86,850$114,650
Breathitt County, KY$86,850$114,650
Breckinridge County, KY$86,850$114,650
Butler County, KY HUD Metro FMR Area$86,850$114,650
Caldwell County, KY$86,850$114,650
Calloway County, KY$86,850$114,650
Carlisle County, KY$86,850$114,650
Carroll County, KY$86,850$114,650
Carter County, KY$86,850$114,650
Casey County, KY$86,850$114,650
Cincinnati, OH-KY-IN HUD Metro FMR Area$93,500$123,400
Clarksville, TN-KY MSA$86,850$114,650
Clay County, KY$86,850$114,650
Clinton County, KY$86,850$114,650
Crittenden County, KY$86,850$114,650
Cumberland County, KY$86,850$114,650
Elizabethtown, KY HUD Metro FMR Area$86,850$114,650
Elliott County, KY$86,850$114,650
Estill County, KY$86,850$114,650
Evansville, IN-KY MSA$86,850$114,650
Fleming County, KY$86,850$114,650
Floyd County, KY$86,850$114,650
Franklin County, KY$86,850$114,650
Fulton County, KY$86,850$114,650
Garrard County, KY$86,850$114,650
Grant County, KY HUD Metro FMR Area$86,850$114,650
Graves County, KY$86,850$114,650
Grayson County, KY$86,850$114,650
Green County, KY$86,850$114,650
Harlan County, KY$86,850$114,650
Harrison County, KY$86,850$114,650
Hart County, KY$86,850$114,650
Hickman County, KY$86,850$114,650
Hopkins County, KY$86,850$114,650
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area$86,850$114,650
Jackson County, KY$86,850$114,650
Johnson County, KY$86,850$114,650
Knott County, KY$86,850$114,650
Knox County, KY$86,850$114,650
Laurel County, KY$86,850$114,650
Lawrence County, KY$86,850$114,650
Lee County, KY$86,850$114,650
Leslie County, KY$86,850$114,650
Letcher County, KY$86,850$114,650
Lewis County, KY$86,850$114,650
Lexington-Fayette, KY MSA$86,850$114,650
Lincoln County, KY$86,850$114,650
Livingston County, KY$86,850$114,650
Logan County, KY$86,850$114,650
Louisville, KY-IN HUD Metro FMR Area$87,850$115,950
Lyon County, KY$86,850$114,650
Madison County, KY$86,850$114,650
Magoffin County, KY$86,850$114,650
Marion County, KY$86,850$114,650
Marshall County, KY$86,850$114,650
Martin County, KY$86,850$114,650
Mason County, KY$86,850$114,650
McCracken County, KY$86,850$114,650
McCreary County, KY$86,850$114,650
Meade County, KY HUD Metro FMR Area$86,850$114,650
Menifee County, KY$86,850$114,650
Mercer County, KY$86,850$114,650
Metcalfe County, KY$86,850$114,650
Monroe County, KY$86,850$114,650
Montgomery County, KY$86,850$114,650
Morgan County, KY$86,850$114,650
Muhlenberg County, KY$86,850$114,650
Nelson County, KY$86,850$114,650
Nicholas County, KY$86,850$114,650
Ohio County, KY$86,850$114,650
Owen County, KY$86,850$114,650
Owensboro, KY MSA$86,850$114,650
Owsley County, KY$86,850$114,650
Perry County, KY$86,850$114,650
Pike County, KY$86,850$114,650
Powell County, KY$86,850$114,650
Pulaski County, KY$86,850$114,650
Robertson County, KY$86,850$114,650
Rockcastle County, KY$86,850$114,650
Rowan County, KY$86,850$114,650
Russell County, KY$86,850$114,650
Shelby County, KY HUD Metro FMR Area$87,600$115,650
Simpson County, KY$86,850$114,650
Spencer County, KY SEA$87,850$115,950
Taylor County, KY$86,850$114,650
Todd County, KY$86,850$114,650
Union County, KY$86,850$114,650
Washington County, KY$86,850$114,650
Wayne County, KY$86,850$114,650
Webster County, KY$86,850$114,650
Whitley County, KY$86,850$114,650
Wolfe County, KY$86,850$114,650
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