Kentucky 2019 FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Adair County to a high of $608,150 for a 4-bedroom unit in Bullitt County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Kentucky's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($605,525)
Highest Loan Limit ($608,150)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Kentucky (120 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Adair County $314,827 $605,525 view details »
Allen County $314,827 $605,525 view details »
Anderson County $314,827 $605,525 view details »
Ballard County $314,827 $605,525 view details »
Barren County $314,827 $605,525 view details »
Bath County $314,827 $605,525 view details »
Bell County $314,827 $605,525 view details »
Boone County $314,827 $605,525 view details »
Bourbon County $314,827 $605,525 view details »
Boyd County $314,827 $605,525 view details »
Boyle County $314,827 $605,525 view details »
Bracken County $314,827 $605,525 view details »
Breathitt County $314,827 $605,525 view details »
Breckinridge County $314,827 $605,525 view details »
Bullitt County $316,250 $608,150 view details »
Butler County $314,827 $605,525 view details »
Caldwell County $314,827 $605,525 view details »
Calloway County $314,827 $605,525 view details »
Campbell County $314,827 $605,525 view details »
Carlisle County $314,827 $605,525 view details »
Carroll County $314,827 $605,525 view details »
Carter County $314,827 $605,525 view details »
Casey County $314,827 $605,525 view details »
Christian County $314,827 $605,525 view details »
Clark County $314,827 $605,525 view details »
Clay County $314,827 $605,525 view details »
Clinton County $314,827 $605,525 view details »
Crittenden County $314,827 $605,525 view details »
Cumberland County $314,827 $605,525 view details »
Daviess County $314,827 $605,525 view details »
Edmonson County $314,827 $605,525 view details »
Elliott County $314,827 $605,525 view details »
Estill County $314,827 $605,525 view details »
Fayette County $314,827 $605,525 view details »
Fleming County $314,827 $605,525 view details »
Floyd County $314,827 $605,525 view details »
Franklin County $314,827 $605,525 view details »
Fulton County $314,827 $605,525 view details »
Gallatin County $314,827 $605,525 view details »
Garrard County $314,827 $605,525 view details »
Grant County $314,827 $605,525 view details »
Graves County $314,827 $605,525 view details »
Grayson County $314,827 $605,525 view details »
Green County $314,827 $605,525 view details »
Greenup County $314,827 $605,525 view details »
Hancock County $314,827 $605,525 view details »
Hardin County $314,827 $605,525 view details »
Harlan County $314,827 $605,525 view details »
Harrison County $314,827 $605,525 view details »
Hart County $314,827 $605,525 view details »
Henderson County $314,827 $605,525 view details »
Henry County $316,250 $608,150 view details »
Hickman County $314,827 $605,525 view details »
Hopkins County $314,827 $605,525 view details »
Jackson County $314,827 $605,525 view details »
Jefferson County $316,250 $608,150 view details »
Jessamine County $314,827 $605,525 view details »
Johnson County $314,827 $605,525 view details »
Kenton County $314,827 $605,525 view details »
Knott County $314,827 $605,525 view details »
Knox County $314,827 $605,525 view details »
Larue County $314,827 $605,525 view details »
Laurel County $314,827 $605,525 view details »
Lawrence County $314,827 $605,525 view details »
Lee County $314,827 $605,525 view details »
Leslie County $314,827 $605,525 view details »
Letcher County $314,827 $605,525 view details »
Lewis County $314,827 $605,525 view details »
Lincoln County $314,827 $605,525 view details »
Livingston County $314,827 $605,525 view details »
Logan County $314,827 $605,525 view details »
Lyon County $314,827 $605,525 view details »
Mccracken County $314,827 $605,525 view details »
Mccreary County $314,827 $605,525 view details »
Mclean County $314,827 $605,525 view details »
Madison County $314,827 $605,525 view details »
Magoffin County $314,827 $605,525 view details »
Marion County $314,827 $605,525 view details »
Marshall County $314,827 $605,525 view details »
Martin County $314,827 $605,525 view details »
Mason County $314,827 $605,525 view details »
Meade County $314,827 $605,525 view details »
Menifee County $314,827 $605,525 view details »
Mercer County $314,827 $605,525 view details »
Metcalfe County $314,827 $605,525 view details »
Monroe County $314,827 $605,525 view details »
Montgomery County $314,827 $605,525 view details »
Morgan County $314,827 $605,525 view details »
Muhlenberg County $314,827 $605,525 view details »
Nelson County $314,827 $605,525 view details »
Nicholas County $314,827 $605,525 view details »
Ohio County $314,827 $605,525 view details »
Oldham County $316,250 $608,150 view details »
Owen County $314,827 $605,525 view details »
Owsley County $314,827 $605,525 view details »
Pendleton County $314,827 $605,525 view details »
Perry County $314,827 $605,525 view details »
Pike County $314,827 $605,525 view details »
Powell County $314,827 $605,525 view details »
Pulaski County $314,827 $605,525 view details »
Robertson County $314,827 $605,525 view details »
Rockcastle County $314,827 $605,525 view details »
Rowan County $314,827 $605,525 view details »
Russell County $314,827 $605,525 view details »
Scott County $314,827 $605,525 view details »
Shelby County $316,250 $608,150 view details »
Simpson County $314,827 $605,525 view details »
Spencer County $316,250 $608,150 view details »
Taylor County $314,827 $605,525 view details »
Todd County $314,827 $605,525 view details »
Trigg County $314,827 $605,525 view details »
Trimble County $316,250 $608,150 view details »
Union County $314,827 $605,525 view details »
Warren County $314,827 $605,525 view details »
Washington County $314,827 $605,525 view details »
Wayne County $314,827 $605,525 view details »
Webster County $314,827 $605,525 view details »
Whitley County $314,827 $605,525 view details »
Wolfe County $314,827 $605,525 view details »
Woodford County $314,827 $605,525 view details »

How to qualify for an FHA Loan in Kentucky?

To qualify for an FHA loan in Kentucky, your home loan must be below the local FHA loan limits in your area. For 2019, the maximum loan limit in Kentucky is $314,827 for a single-family home and $608,150 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Kentucky. Additional restricts apply. Click on the Kentucky map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/kentucky