Kentucky 2020 FHA Loan Limits

Last Updated: Tue, August 18, 2020

Loan Limits in Kentucky

Kentucky has 120 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Adair County to a high of $641,350 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 ($638,100)
Highest Loan Limit ($641,350)

† 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 $331,760 $638,100 view details »
Allen County $331,760 $638,100 view details »
Anderson County $331,760 $638,100 view details »
Ballard County $331,760 $638,100 view details »
Barren County $331,760 $638,100 view details »
Bath County $331,760 $638,100 view details »
Bell County $331,760 $638,100 view details »
Boone County $331,760 $638,100 view details »
Bourbon County $331,760 $638,100 view details »
Boyd County $331,760 $638,100 view details »
Boyle County $331,760 $638,100 view details »
Bracken County $331,760 $638,100 view details »
Breathitt County $331,760 $638,100 view details »
Breckinridge County $331,760 $638,100 view details »
Bullitt County $333,500 $641,350 view details »
Butler County $331,760 $638,100 view details »
Caldwell County $331,760 $638,100 view details »
Calloway County $331,760 $638,100 view details »
Campbell County $331,760 $638,100 view details »
Carlisle County $331,760 $638,100 view details »
Carroll County $331,760 $638,100 view details »
Carter County $331,760 $638,100 view details »
Casey County $331,760 $638,100 view details »
Christian County $331,760 $638,100 view details »
Clark County $331,760 $638,100 view details »
Clay County $331,760 $638,100 view details »
Clinton County $331,760 $638,100 view details »
Crittenden County $331,760 $638,100 view details »
Cumberland County $331,760 $638,100 view details »
Daviess County $331,760 $638,100 view details »
Edmonson County $331,760 $638,100 view details »
Elliott County $331,760 $638,100 view details »
Estill County $331,760 $638,100 view details »
Fayette County $331,760 $638,100 view details »
Fleming County $331,760 $638,100 view details »
Floyd County $331,760 $638,100 view details »
Franklin County $331,760 $638,100 view details »
Fulton County $331,760 $638,100 view details »
Gallatin County $331,760 $638,100 view details »
Garrard County $331,760 $638,100 view details »
Grant County $331,760 $638,100 view details »
Graves County $331,760 $638,100 view details »
Grayson County $331,760 $638,100 view details »
Green County $331,760 $638,100 view details »
Greenup County $331,760 $638,100 view details »
Hancock County $331,760 $638,100 view details »
Hardin County $331,760 $638,100 view details »
Harlan County $331,760 $638,100 view details »
Harrison County $331,760 $638,100 view details »
Hart County $331,760 $638,100 view details »
Henderson County $331,760 $638,100 view details »
Henry County $333,500 $641,350 view details »
Hickman County $331,760 $638,100 view details »
Hopkins County $331,760 $638,100 view details »
Jackson County $331,760 $638,100 view details »
Jefferson County $333,500 $641,350 view details »
Jessamine County $331,760 $638,100 view details »
Johnson County $331,760 $638,100 view details »
Kenton County $331,760 $638,100 view details »
Knott County $331,760 $638,100 view details »
Knox County $331,760 $638,100 view details »
Larue County $331,760 $638,100 view details »
Laurel County $331,760 $638,100 view details »
Lawrence County $331,760 $638,100 view details »
Lee County $331,760 $638,100 view details »
Leslie County $331,760 $638,100 view details »
Letcher County $331,760 $638,100 view details »
Lewis County $331,760 $638,100 view details »
Lincoln County $331,760 $638,100 view details »
Livingston County $331,760 $638,100 view details »
Logan County $331,760 $638,100 view details »
Lyon County $331,760 $638,100 view details »
Mccracken County $331,760 $638,100 view details »
Mccreary County $331,760 $638,100 view details »
Mclean County $331,760 $638,100 view details »
Madison County $331,760 $638,100 view details »
Magoffin County $331,760 $638,100 view details »
Marion County $331,760 $638,100 view details »
Marshall County $331,760 $638,100 view details »
Martin County $331,760 $638,100 view details »
Mason County $331,760 $638,100 view details »
Meade County $331,760 $638,100 view details »
Menifee County $331,760 $638,100 view details »
Mercer County $331,760 $638,100 view details »
Metcalfe County $331,760 $638,100 view details »
Monroe County $331,760 $638,100 view details »
Montgomery County $331,760 $638,100 view details »
Morgan County $331,760 $638,100 view details »
Muhlenberg County $331,760 $638,100 view details »
Nelson County $331,760 $638,100 view details »
Nicholas County $331,760 $638,100 view details »
Ohio County $331,760 $638,100 view details »
Oldham County $333,500 $641,350 view details »
Owen County $331,760 $638,100 view details »
Owsley County $331,760 $638,100 view details »
Pendleton County $331,760 $638,100 view details »
Perry County $331,760 $638,100 view details »
Pike County $331,760 $638,100 view details »
Powell County $331,760 $638,100 view details »
Pulaski County $331,760 $638,100 view details »
Robertson County $331,760 $638,100 view details »
Rockcastle County $331,760 $638,100 view details »
Rowan County $331,760 $638,100 view details »
Russell County $331,760 $638,100 view details »
Scott County $331,760 $638,100 view details »
Shelby County $333,500 $641,350 view details »
Simpson County $331,760 $638,100 view details »
Spencer County $333,500 $641,350 view details »
Taylor County $331,760 $638,100 view details »
Todd County $331,760 $638,100 view details »
Trigg County $331,760 $638,100 view details »
Trimble County $331,760 $638,100 view details »
Union County $331,760 $638,100 view details »
Warren County $331,760 $638,100 view details »
Washington County $331,760 $638,100 view details »
Wayne County $331,760 $638,100 view details »
Webster County $331,760 $638,100 view details »
Whitley County $331,760 $638,100 view details »
Wolfe County $331,760 $638,100 view details »
Woodford County $331,760 $638,100 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 2020, the maximum loan limit in Kentucky is $331,760 for a single-family home and $641,350 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