Kentucky Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ADAIR$424,100$543,000$656,350$815,650
ALLEN$424,100$543,000$656,350$815,650
ANDERSON$424,100$543,000$656,350$815,650
BALLARD$424,100$543,000$656,350$815,650
BARREN$424,100$543,000$656,350$815,650
BATH$424,100$543,000$656,350$815,650
BELL$424,100$543,000$656,350$815,650
BOONE$424,100$543,000$656,350$815,650
BOURBON$424,100$543,000$656,350$815,650
BOYD$424,100$543,000$656,350$815,650
BOYLE$424,100$543,000$656,350$815,650
BRACKEN$424,100$543,000$656,350$815,650
BREATHITT$424,100$543,000$656,350$815,650
BRECKINRIDGE$424,100$543,000$656,350$815,650
BULLITT$424,100$543,000$656,350$815,650
BUTLER$424,100$543,000$656,350$815,650
CALDWELL$424,100$543,000$656,350$815,650
CALLOWAY$424,100$543,000$656,350$815,650
CAMPBELL$424,100$543,000$656,350$815,650
CARLISLE$424,100$543,000$656,350$815,650
CARROLL$424,100$543,000$656,350$815,650
CARTER$424,100$543,000$656,350$815,650
CASEY$424,100$543,000$656,350$815,650
CHRISTIAN$424,100$543,000$656,350$815,650
CLARK$424,100$543,000$656,350$815,650
CLAY$424,100$543,000$656,350$815,650
CLINTON$424,100$543,000$656,350$815,650
CRITTENDEN$424,100$543,000$656,350$815,650
CUMBERLAND$424,100$543,000$656,350$815,650
DAVIESS$424,100$543,000$656,350$815,650
EDMONSON$424,100$543,000$656,350$815,650
ELLIOTT$424,100$543,000$656,350$815,650
ESTILL$424,100$543,000$656,350$815,650
FAYETTE$424,100$543,000$656,350$815,650
FLEMING$424,100$543,000$656,350$815,650
FLOYD$424,100$543,000$656,350$815,650
FRANKLIN$424,100$543,000$656,350$815,650
FULTON$424,100$543,000$656,350$815,650
GALLATIN$424,100$543,000$656,350$815,650
GARRARD$424,100$543,000$656,350$815,650
GRANT$424,100$543,000$656,350$815,650
GRAVES$424,100$543,000$656,350$815,650
GRAYSON$424,100$543,000$656,350$815,650
GREEN$424,100$543,000$656,350$815,650
GREENUP$424,100$543,000$656,350$815,650
HANCOCK$424,100$543,000$656,350$815,650
HARDIN$424,100$543,000$656,350$815,650
HARLAN$424,100$543,000$656,350$815,650
HARRISON$424,100$543,000$656,350$815,650
HART$424,100$543,000$656,350$815,650
HENDERSON$424,100$543,000$656,350$815,650
HENRY$424,100$543,000$656,350$815,650
HICKMAN$424,100$543,000$656,350$815,650
HOPKINS$424,100$543,000$656,350$815,650
JACKSON$424,100$543,000$656,350$815,650
JEFFERSON$424,100$543,000$656,350$815,650
JESSAMINE$424,100$543,000$656,350$815,650
JOHNSON$424,100$543,000$656,350$815,650
KENTON$424,100$543,000$656,350$815,650
KNOTT$424,100$543,000$656,350$815,650
KNOX$424,100$543,000$656,350$815,650
LARUE$424,100$543,000$656,350$815,650
LAUREL$424,100$543,000$656,350$815,650
LAWRENCE$424,100$543,000$656,350$815,650
LEE$424,100$543,000$656,350$815,650
LESLIE$424,100$543,000$656,350$815,650
LETCHER$424,100$543,000$656,350$815,650
LEWIS$424,100$543,000$656,350$815,650
LINCOLN$424,100$543,000$656,350$815,650
LIVINGSTON$424,100$543,000$656,350$815,650
LOGAN$424,100$543,000$656,350$815,650
LYON$424,100$543,000$656,350$815,650
MCCRACKEN$424,100$543,000$656,350$815,650
MCCREARY$424,100$543,000$656,350$815,650
MCLEAN$424,100$543,000$656,350$815,650
MADISON$424,100$543,000$656,350$815,650
MAGOFFIN$424,100$543,000$656,350$815,650
MARION$424,100$543,000$656,350$815,650
MARSHALL$424,100$543,000$656,350$815,650
MARTIN$424,100$543,000$656,350$815,650
MASON$424,100$543,000$656,350$815,650
MEADE$424,100$543,000$656,350$815,650
MENIFEE$424,100$543,000$656,350$815,650
MERCER$424,100$543,000$656,350$815,650
METCALFE$424,100$543,000$656,350$815,650
MONROE$424,100$543,000$656,350$815,650
MONTGOMERY$424,100$543,000$656,350$815,650
MORGAN$424,100$543,000$656,350$815,650
MUHLENBERG$424,100$543,000$656,350$815,650
NELSON$424,100$543,000$656,350$815,650
NICHOLAS$424,100$543,000$656,350$815,650
OHIO$424,100$543,000$656,350$815,650
OLDHAM$424,100$543,000$656,350$815,650
OWEN$424,100$543,000$656,350$815,650
OWSLEY$424,100$543,000$656,350$815,650
PENDLETON$424,100$543,000$656,350$815,650
PERRY$424,100$543,000$656,350$815,650
PIKE$424,100$543,000$656,350$815,650
POWELL$424,100$543,000$656,350$815,650
PULASKI$424,100$543,000$656,350$815,650
ROBERTSON$424,100$543,000$656,350$815,650
ROCKCASTLE$424,100$543,000$656,350$815,650
ROWAN$424,100$543,000$656,350$815,650
RUSSELL$424,100$543,000$656,350$815,650
SCOTT$424,100$543,000$656,350$815,650
SHELBY$424,100$543,000$656,350$815,650
SIMPSON$424,100$543,000$656,350$815,650
SPENCER$424,100$543,000$656,350$815,650
TAYLOR$424,100$543,000$656,350$815,650
TODD$424,100$543,000$656,350$815,650
TRIGG$424,100$543,000$656,350$815,650
TRIMBLE$424,100$543,000$656,350$815,650
UNION$424,100$543,000$656,350$815,650
WARREN$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650
WAYNE$424,100$543,000$656,350$815,650
WEBSTER$424,100$543,000$656,350$815,650
WHITLEY$424,100$543,000$656,350$815,650
WOLFE$424,100$543,000$656,350$815,650
WOODFORD$424,100$543,000$656,350$815,650
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