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$75,650$99,850
Allen County, KY HUD Metro FMR Area$75,650$99,850
Anderson County, KY$78,900$104,150
Ballard County, KY$75,650$99,850
Barren County, KY$75,650$99,850
Bath County, KY$75,650$99,850
Bell County, KY$75,650$99,850
Bowling Green, KY HUD Metro FMR Area$75,650$99,850
Boyle County, KY$75,650$99,850
Breathitt County, KY$75,650$99,850
Breckinridge County, KY$75,650$99,850
Butler County, KY HUD Metro FMR Area$75,650$99,850
Caldwell County, KY$75,650$99,850
Calloway County, KY$75,650$99,850
Carlisle County, KY$75,650$99,850
Carroll County, KY$75,650$99,850
Carter County, KY$75,650$99,850
Casey County, KY$75,650$99,850
Cincinnati, OH-KY-IN HUD Metro FMR Area$82,000$108,250
Clarksville, TN-KY MSA$75,650$99,850
Clay County, KY$75,650$99,850
Clinton County, KY$75,650$99,850
Crittenden County, KY$75,650$99,850
Cumberland County, KY$75,650$99,850
Elizabethtown, KY HUD Metro FMR Area$75,650$99,850
Elliott County, KY$75,650$99,850
Estill County, KY$75,650$99,850
Evansville, IN-KY MSA$75,650$99,850
Fleming County, KY$75,650$99,850
Floyd County, KY$75,650$99,850
Franklin County, KY$76,850$101,450
Fulton County, KY$75,650$99,850
Garrard County, KY$75,650$99,850
Grant County, KY HUD Metro FMR Area$75,650$99,850
Graves County, KY$75,650$99,850
Grayson County, KY$75,650$99,850
Green County, KY$75,650$99,850
Harlan County, KY$75,650$99,850
Harrison County, KY$75,650$99,850
Hart County, KY$75,650$99,850
Hickman County, KY$75,650$99,850
Hopkins County, KY$75,650$99,850
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area$75,650$99,850
Jackson County, KY$75,650$99,850
Johnson County, KY$75,650$99,850
Knott County, KY$75,650$99,850
Knox County, KY$75,650$99,850
Laurel County, KY$75,650$99,850
Lawrence County, KY$75,650$99,850
Lee County, KY$75,650$99,850
Leslie County, KY$75,650$99,850
Letcher County, KY$75,650$99,850
Lewis County, KY$75,650$99,850
Lexington-Fayette, KY MSA$78,400$103,500
Lincoln County, KY$75,650$99,850
Livingston County, KY$75,650$99,850
Logan County, KY$75,650$99,850
Louisville, KY-IN HUD Metro FMR Area$77,050$101,700
Lyon County, KY$75,650$99,850
Madison County, KY$75,650$99,850
Magoffin County, KY$75,650$99,850
Marion County, KY$75,650$99,850
Marshall County, KY$75,650$99,850
Martin County, KY$75,650$99,850
Mason County, KY$75,650$99,850
McCracken County, KY$75,650$99,850
McCreary County, KY$75,650$99,850
Meade County, KY HUD Metro FMR Area$75,650$99,850
Menifee County, KY$75,650$99,850
Mercer County, KY$75,650$99,850
Metcalfe County, KY$75,650$99,850
Monroe County, KY$75,650$99,850
Montgomery County, KY$75,650$99,850
Morgan County, KY$75,650$99,850
Muhlenberg County, KY$75,650$99,850
Nelson County, KY$75,650$99,850
Nicholas County, KY$75,650$99,850
Ohio County, KY$75,650$99,850
Owen County, KY$75,650$99,850
Owensboro, KY MSA$75,650$99,850
Owsley County, KY$75,650$99,850
Perry County, KY$75,650$99,850
Pike County, KY$75,650$99,850
Powell County, KY$75,650$99,850
Pulaski County, KY$75,650$99,850
Robertson County, KY$75,650$99,850
Rockcastle County, KY$75,650$99,850
Rowan County, KY$75,650$99,850
Russell County, KY$75,650$99,850
Shelby County, KY HUD Metro FMR Area$84,750$111,850
Simpson County, KY$75,650$99,850
Spencer County, KY SEA$77,050$101,700
Taylor County, KY$75,650$99,850
Todd County, KY$75,650$99,850
Union County, KY$75,650$99,850
Washington County, KY$75,650$99,850
Wayne County, KY$75,650$99,850
Webster County, KY$75,650$99,850
Whitley County, KY$75,650$99,850
Wolfe County, KY$75,650$99,850
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