Kentucky Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

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Kentucky Conventional Loan Limits by County

County 1 Unit SFR 2 Unit Duplex 3 Unit Triplex 4 Unit Fourplex
ADAIR COUNTY$548,250$702,000$848,500$1,054,500
ALLEN COUNTY$548,250$702,000$848,500$1,054,500
ANDERSON COUNTY$548,250$702,000$848,500$1,054,500
BALLARD COUNTY$548,250$702,000$848,500$1,054,500
BARREN COUNTY$548,250$702,000$848,500$1,054,500
BATH COUNTY$548,250$702,000$848,500$1,054,500
BELL COUNTY$548,250$702,000$848,500$1,054,500
BOONE COUNTY$548,250$702,000$848,500$1,054,500
BOURBON COUNTY$548,250$702,000$848,500$1,054,500
BOYD COUNTY$548,250$702,000$848,500$1,054,500
BOYLE COUNTY$548,250$702,000$848,500$1,054,500
BRACKEN COUNTY$548,250$702,000$848,500$1,054,500
BREATHITT COUNTY$548,250$702,000$848,500$1,054,500
BRECKINRIDGE COUNTY$548,250$702,000$848,500$1,054,500
BULLITT COUNTY$548,250$702,000$848,500$1,054,500
BUTLER COUNTY$548,250$702,000$848,500$1,054,500
CALDWELL COUNTY$548,250$702,000$848,500$1,054,500
CALLOWAY COUNTY$548,250$702,000$848,500$1,054,500
CAMPBELL COUNTY$548,250$702,000$848,500$1,054,500
CARLISLE COUNTY$548,250$702,000$848,500$1,054,500
CARROLL COUNTY$548,250$702,000$848,500$1,054,500
CARTER COUNTY$548,250$702,000$848,500$1,054,500
CASEY COUNTY$548,250$702,000$848,500$1,054,500
CHRISTIAN COUNTY$548,250$702,000$848,500$1,054,500
CLARK COUNTY$548,250$702,000$848,500$1,054,500
CLAY COUNTY$548,250$702,000$848,500$1,054,500
CLINTON COUNTY$548,250$702,000$848,500$1,054,500
CRITTENDEN COUNTY$548,250$702,000$848,500$1,054,500
CUMBERLAND COUNTY$548,250$702,000$848,500$1,054,500
DAVIESS COUNTY$548,250$702,000$848,500$1,054,500
EDMONSON COUNTY$548,250$702,000$848,500$1,054,500
ELLIOTT COUNTY$548,250$702,000$848,500$1,054,500
ESTILL COUNTY$548,250$702,000$848,500$1,054,500
FAYETTE COUNTY$548,250$702,000$848,500$1,054,500
FLEMING COUNTY$548,250$702,000$848,500$1,054,500
FLOYD COUNTY$548,250$702,000$848,500$1,054,500
FRANKLIN COUNTY$548,250$702,000$848,500$1,054,500
FULTON COUNTY$548,250$702,000$848,500$1,054,500
GALLATIN COUNTY$548,250$702,000$848,500$1,054,500
GARRARD COUNTY$548,250$702,000$848,500$1,054,500
GRANT COUNTY$548,250$702,000$848,500$1,054,500
GRAVES COUNTY$548,250$702,000$848,500$1,054,500
GRAYSON COUNTY$548,250$702,000$848,500$1,054,500
GREEN COUNTY$548,250$702,000$848,500$1,054,500
GREENUP COUNTY$548,250$702,000$848,500$1,054,500
HANCOCK COUNTY$548,250$702,000$848,500$1,054,500
HARDIN COUNTY$548,250$702,000$848,500$1,054,500
HARLAN COUNTY$548,250$702,000$848,500$1,054,500
HARRISON COUNTY$548,250$702,000$848,500$1,054,500
HART COUNTY$548,250$702,000$848,500$1,054,500
HENDERSON COUNTY$548,250$702,000$848,500$1,054,500
HENRY COUNTY$548,250$702,000$848,500$1,054,500
HICKMAN COUNTY$548,250$702,000$848,500$1,054,500
HOPKINS COUNTY$548,250$702,000$848,500$1,054,500
JACKSON COUNTY$548,250$702,000$848,500$1,054,500
JEFFERSON COUNTY$548,250$702,000$848,500$1,054,500
JESSAMINE COUNTY$548,250$702,000$848,500$1,054,500
JOHNSON COUNTY$548,250$702,000$848,500$1,054,500
KENTON COUNTY$548,250$702,000$848,500$1,054,500
KNOTT COUNTY$548,250$702,000$848,500$1,054,500
KNOX COUNTY$548,250$702,000$848,500$1,054,500
LARUE COUNTY$548,250$702,000$848,500$1,054,500
LAUREL COUNTY$548,250$702,000$848,500$1,054,500
LAWRENCE COUNTY$548,250$702,000$848,500$1,054,500
LEE COUNTY$548,250$702,000$848,500$1,054,500
LESLIE COUNTY$548,250$702,000$848,500$1,054,500
LETCHER COUNTY$548,250$702,000$848,500$1,054,500
LEWIS COUNTY$548,250$702,000$848,500$1,054,500
LINCOLN COUNTY$548,250$702,000$848,500$1,054,500
LIVINGSTON COUNTY$548,250$702,000$848,500$1,054,500
LOGAN COUNTY$548,250$702,000$848,500$1,054,500
LYON COUNTY$548,250$702,000$848,500$1,054,500
MCCRACKEN COUNTY$548,250$702,000$848,500$1,054,500
MCCREARY COUNTY$548,250$702,000$848,500$1,054,500
MCLEAN COUNTY$548,250$702,000$848,500$1,054,500
MADISON COUNTY$548,250$702,000$848,500$1,054,500
MAGOFFIN COUNTY$548,250$702,000$848,500$1,054,500
MARION COUNTY$548,250$702,000$848,500$1,054,500
MARSHALL COUNTY$548,250$702,000$848,500$1,054,500
MARTIN COUNTY$548,250$702,000$848,500$1,054,500
MASON COUNTY$548,250$702,000$848,500$1,054,500
MEADE COUNTY$548,250$702,000$848,500$1,054,500
MENIFEE COUNTY$548,250$702,000$848,500$1,054,500
MERCER COUNTY$548,250$702,000$848,500$1,054,500
METCALFE COUNTY$548,250$702,000$848,500$1,054,500
MONROE COUNTY$548,250$702,000$848,500$1,054,500
MONTGOMERY COUNTY$548,250$702,000$848,500$1,054,500
MORGAN COUNTY$548,250$702,000$848,500$1,054,500
MUHLENBERG COUNTY$548,250$702,000$848,500$1,054,500
NELSON COUNTY$548,250$702,000$848,500$1,054,500
NICHOLAS COUNTY$548,250$702,000$848,500$1,054,500
OHIO COUNTY$548,250$702,000$848,500$1,054,500
OLDHAM COUNTY$548,250$702,000$848,500$1,054,500
OWEN COUNTY$548,250$702,000$848,500$1,054,500
OWSLEY COUNTY$548,250$702,000$848,500$1,054,500
PENDLETON COUNTY$548,250$702,000$848,500$1,054,500
PERRY COUNTY$548,250$702,000$848,500$1,054,500
PIKE COUNTY$548,250$702,000$848,500$1,054,500
POWELL COUNTY$548,250$702,000$848,500$1,054,500
PULASKI COUNTY$548,250$702,000$848,500$1,054,500
ROBERTSON COUNTY$548,250$702,000$848,500$1,054,500
ROCKCASTLE COUNTY$548,250$702,000$848,500$1,054,500
ROWAN COUNTY$548,250$702,000$848,500$1,054,500
RUSSELL COUNTY$548,250$702,000$848,500$1,054,500
SCOTT COUNTY$548,250$702,000$848,500$1,054,500
SHELBY COUNTY$548,250$702,000$848,500$1,054,500
SIMPSON COUNTY$548,250$702,000$848,500$1,054,500
SPENCER COUNTY$548,250$702,000$848,500$1,054,500
TAYLOR COUNTY$548,250$702,000$848,500$1,054,500
TODD COUNTY$548,250$702,000$848,500$1,054,500
TRIGG COUNTY$548,250$702,000$848,500$1,054,500
TRIMBLE COUNTY$548,250$702,000$848,500$1,054,500
UNION COUNTY$548,250$702,000$848,500$1,054,500
WARREN COUNTY$548,250$702,000$848,500$1,054,500
WASHINGTON COUNTY$548,250$702,000$848,500$1,054,500
WAYNE COUNTY$548,250$702,000$848,500$1,054,500
WEBSTER COUNTY$548,250$702,000$848,500$1,054,500
WHITLEY COUNTY$548,250$702,000$848,500$1,054,500
WOLFE COUNTY$548,250$702,000$848,500$1,054,500
WOODFORD COUNTY$548,250$702,000$848,500$1,054,500