Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Kentucky. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Kentucky Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Adair County, KY$272,000$340,000
Allen County, KY HUD Metro FMR Area$272,000$340,000
Anderson County, KY$272,000$357,000
Ballard County, KY$272,000$340,000
Barren County, KY$272,000$340,000
Bath County, KY$272,000$340,000
Bell County, KY$272,000$340,000
Bowling Green, KY HUD Metro FMR Area$272,000$340,000
Boyle County, KY$272,000$340,000
Breathitt County, KY$272,000$340,000
Breckinridge County, KY$272,000$340,000
Butler County, KY HUD Metro FMR Area$272,000$340,000
Caldwell County, KY$272,000$340,000
Calloway County, KY$272,000$340,000
Carlisle County, KY$272,000$340,000
Carroll County, KY$272,000$340,000
Carter County, KY$272,000$340,000
Casey County, KY$272,000$340,000
Cincinnati, OH-KY-IN HUD Metro FMR Area$289,000$374,000
Clarksville, TN-KY MSA$272,000$340,000
Clay County, KY$272,000$340,000
Clinton County, KY$272,000$340,000
Crittenden County, KY$272,000$340,000
Cumberland County, KY$272,000$340,000
Elizabethtown, KY HUD Metro FMR Area$272,000$340,000
Elliott County, KY$272,000$340,000
Estill County, KY$272,000$340,000
Evansville, IN-KY MSA$272,000$340,000
Fleming County, KY$272,000$340,000
Floyd County, KY$272,000$340,000
Franklin County, KY$272,000$357,000
Fulton County, KY$272,000$340,000
Garrard County, KY$272,000$340,000
Grant County, KY HUD Metro FMR Area$272,000$340,000
Graves County, KY$272,000$340,000
Grayson County, KY$272,000$340,000
Green County, KY$272,000$340,000
Harlan County, KY$272,000$340,000
Harrison County, KY$272,000$340,000
Hart County, KY$272,000$340,000
Hickman County, KY$272,000$340,000
Hopkins County, KY$272,000$340,000
Huntington-Ashland, WV-KY-OH HUD Metro FMR Area$272,000$340,000
Jackson County, KY$272,000$340,000
Johnson County, KY$272,000$340,000
Knott County, KY$272,000$340,000
Knox County, KY$272,000$340,000
Laurel County, KY$272,000$340,000
Lawrence County, KY$272,000$340,000
Lee County, KY$272,000$340,000
Leslie County, KY$272,000$340,000
Letcher County, KY$272,000$340,000
Lewis County, KY$272,000$340,000
Lexington-Fayette, KY MSA$272,000$357,000
Lincoln County, KY$272,000$340,000
Livingston County, KY$272,000$340,000
Logan County, KY$272,000$340,000
Louisville, KY-IN HUD Metro FMR Area$272,000$357,000
Lyon County, KY$272,000$340,000
Madison County, KY$272,000$340,000
Magoffin County, KY$272,000$340,000
Marion County, KY$272,000$340,000
Marshall County, KY$272,000$340,000
Martin County, KY$272,000$340,000
Mason County, KY$272,000$340,000
McCracken County, KY$272,000$340,000
McCreary County, KY$272,000$340,000
Meade County, KY HUD Metro FMR Area$272,000$340,000
Menifee County, KY$272,000$340,000
Mercer County, KY$272,000$340,000
Metcalfe County, KY$272,000$340,000
Monroe County, KY$272,000$340,000
Montgomery County, KY$272,000$340,000
Morgan County, KY$272,000$340,000
Muhlenberg County, KY$272,000$340,000
Nelson County, KY$272,000$340,000
Nicholas County, KY$272,000$340,000
Ohio County, KY$272,000$340,000
Owen County, KY$272,000$340,000
Owensboro, KY MSA$272,000$340,000
Owsley County, KY$272,000$340,000
Perry County, KY$272,000$340,000
Pike County, KY$272,000$340,000
Powell County, KY$272,000$340,000
Pulaski County, KY$272,000$340,000
Robertson County, KY$272,000$340,000
Rockcastle County, KY$272,000$340,000
Rowan County, KY$272,000$340,000
Russell County, KY$272,000$340,000
Shelby County, KY HUD Metro FMR Area$289,000$391,000
Simpson County, KY$272,000$340,000
Spencer County, KY SEA$272,000$357,000
Taylor County, KY$272,000$340,000
Todd County, KY$272,000$340,000
Union County, KY$272,000$340,000
Washington County, KY$272,000$340,000
Wayne County, KY$272,000$340,000
Webster County, KY$272,000$340,000
Whitley County, KY$272,000$340,000
Wolfe County, KY$272,000$340,000
Get Your Rate Quote
Refinance     Purchase

As seen in: