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 | $306,000 | $391,000 |
| Allen County, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Anderson County, KY | $306,000 | $391,000 |
| Ballard County, KY | $306,000 | $391,000 |
| Barren County, KY | $306,000 | $391,000 |
| Bath County, KY | $306,000 | $391,000 |
| Bell County, KY | $306,000 | $391,000 |
| Bowling Green, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Boyle County, KY | $306,000 | $391,000 |
| Breathitt County, KY | $306,000 | $391,000 |
| Breckinridge County, KY | $306,000 | $391,000 |
| Butler County, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Caldwell County, KY | $306,000 | $391,000 |
| Calloway County, KY | $306,000 | $391,000 |
| Carlisle County, KY | $306,000 | $391,000 |
| Carroll County, KY | $306,000 | $391,000 |
| Carter County, KY | $306,000 | $391,000 |
| Casey County, KY | $306,000 | $391,000 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $323,000 | $417,000 |
| Clarksville, TN-KY MSA | $306,000 | $391,000 |
| Clay County, KY | $306,000 | $391,000 |
| Clinton County, KY | $306,000 | $391,000 |
| Crittenden County, KY | $306,000 | $391,000 |
| Cumberland County, KY | $306,000 | $391,000 |
| Elizabethtown, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Elliott County, KY | $306,000 | $391,000 |
| Estill County, KY | $306,000 | $391,000 |
| Evansville, IN-KY MSA | $306,000 | $391,000 |
| Fleming County, KY | $306,000 | $391,000 |
| Floyd County, KY | $306,000 | $391,000 |
| Franklin County, KY | $306,000 | $391,000 |
| Fulton County, KY | $306,000 | $391,000 |
| Garrard County, KY | $306,000 | $391,000 |
| Grant County, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Graves County, KY | $306,000 | $391,000 |
| Grayson County, KY | $306,000 | $391,000 |
| Green County, KY | $306,000 | $391,000 |
| Harlan County, KY | $306,000 | $391,000 |
| Harrison County, KY | $306,000 | $391,000 |
| Hart County, KY | $306,000 | $391,000 |
| Hickman County, KY | $306,000 | $391,000 |
| Hopkins County, KY | $306,000 | $391,000 |
| Huntington-Ashland, WV-KY-OH HUD Metro FMR Area | $306,000 | $391,000 |
| Jackson County, KY | $306,000 | $391,000 |
| Johnson County, KY | $306,000 | $391,000 |
| Knott County, KY | $306,000 | $391,000 |
| Knox County, KY | $306,000 | $391,000 |
| Laurel County, KY | $306,000 | $391,000 |
| Lawrence County, KY | $306,000 | $391,000 |
| Lee County, KY | $306,000 | $391,000 |
| Leslie County, KY | $306,000 | $391,000 |
| Letcher County, KY | $306,000 | $391,000 |
| Lewis County, KY | $306,000 | $391,000 |
| Lexington-Fayette, KY MSA | $306,000 | $391,000 |
| Lincoln County, KY | $306,000 | $391,000 |
| Livingston County, KY | $306,000 | $391,000 |
| Logan County, KY | $306,000 | $391,000 |
| Louisville, KY-IN HUD Metro FMR Area | $306,000 | $408,000 |
| Lyon County, KY | $306,000 | $391,000 |
| Madison County, KY | $306,000 | $391,000 |
| Magoffin County, KY | $306,000 | $391,000 |
| Marion County, KY | $306,000 | $391,000 |
| Marshall County, KY | $306,000 | $391,000 |
| Martin County, KY | $306,000 | $391,000 |
| Mason County, KY | $306,000 | $391,000 |
| McCracken County, KY | $306,000 | $391,000 |
| McCreary County, KY | $306,000 | $391,000 |
| Meade County, KY HUD Metro FMR Area | $306,000 | $391,000 |
| Menifee County, KY | $306,000 | $391,000 |
| Mercer County, KY | $306,000 | $391,000 |
| Metcalfe County, KY | $306,000 | $391,000 |
| Monroe County, KY | $306,000 | $391,000 |
| Montgomery County, KY | $306,000 | $391,000 |
| Morgan County, KY | $306,000 | $391,000 |
| Muhlenberg County, KY | $306,000 | $391,000 |
| Nelson County, KY | $306,000 | $391,000 |
| Nicholas County, KY | $306,000 | $391,000 |
| Ohio County, KY | $306,000 | $391,000 |
| Owen County, KY | $306,000 | $391,000 |
| Owensboro, KY MSA | $306,000 | $391,000 |
| Owsley County, KY | $306,000 | $391,000 |
| Perry County, KY | $306,000 | $391,000 |
| Pike County, KY | $306,000 | $391,000 |
| Powell County, KY | $306,000 | $391,000 |
| Pulaski County, KY | $306,000 | $391,000 |
| Robertson County, KY | $306,000 | $391,000 |
| Rockcastle County, KY | $306,000 | $391,000 |
| Rowan County, KY | $306,000 | $391,000 |
| Russell County, KY | $306,000 | $391,000 |
| Shelby County, KY HUD Metro FMR Area | $306,000 | $408,000 |
| Simpson County, KY | $306,000 | $391,000 |
| Spencer County, KY SEA | $306,000 | $408,000 |
| Taylor County, KY | $306,000 | $391,000 |
| Todd County, KY | $306,000 | $391,000 |
| Union County, KY | $306,000 | $391,000 |
| Washington County, KY | $306,000 | $391,000 |
| Wayne County, KY | $306,000 | $391,000 |
| Webster County, KY | $306,000 | $391,000 |
| Whitley County, KY | $306,000 | $391,000 |
| Wolfe County, KY | $306,000 | $391,000 |
