$832,750
The same one-unit conforming limit appears throughout the state’s FHFA records. This cap applies to the loan, not the sale price.
Compare Kentucky mortgage rates—and the costs behind them.
There is no single mortgage rate for every Kentucky borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a Kentucky mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
120 areas
Adair County and the other areas in the table share this one-unit limit. Taxes, insurance and assistance eligibility can still differ.
Kentucky Housing Corporation
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 Kentucky conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
120 of 120 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Adair County | $832,750 |
| Allen County | $832,750 |
| Anderson County | $832,750 |
| Ballard County | $832,750 |
| Barren County | $832,750 |
| Bath County | $832,750 |
| Bell County | $832,750 |
| Boone County | $832,750 |
| Bourbon County | $832,750 |
| Boyd County | $832,750 |
| Boyle County | $832,750 |
| Bracken County | $832,750 |
| Breathitt County | $832,750 |
| Breckinridge County | $832,750 |
| Bullitt County | $832,750 |
| Butler County | $832,750 |
| Caldwell County | $832,750 |
| Calloway County | $832,750 |
| Campbell County | $832,750 |
| Carlisle County | $832,750 |
| Carroll County | $832,750 |
| Carter County | $832,750 |
| Casey County | $832,750 |
| Christian County | $832,750 |
| Clark County | $832,750 |
| Clay County | $832,750 |
| Clinton County | $832,750 |
| Crittenden County | $832,750 |
| Cumberland County | $832,750 |
| Daviess County | $832,750 |
| Edmonson County | $832,750 |
| Elliott County | $832,750 |
| Estill County | $832,750 |
| Fayette County | $832,750 |
| Fleming County | $832,750 |
| Floyd County | $832,750 |
| Franklin County | $832,750 |
| Fulton County | $832,750 |
| Gallatin County | $832,750 |
| Garrard County | $832,750 |
| Grant County | $832,750 |
| Graves County | $832,750 |
| Grayson County | $832,750 |
| Green County | $832,750 |
| Greenup County | $832,750 |
| Hancock County | $832,750 |
| Hardin County | $832,750 |
| Harlan County | $832,750 |
| Harrison County | $832,750 |
| Hart County | $832,750 |
| Henderson County | $832,750 |
| Henry County | $832,750 |
| Hickman County | $832,750 |
| Hopkins County | $832,750 |
| Jackson County | $832,750 |
| Jefferson County | $832,750 |
| Jessamine County | $832,750 |
| Johnson County | $832,750 |
| Kenton County | $832,750 |
| Knott County | $832,750 |
| Knox County | $832,750 |
| Larue County | $832,750 |
| Laurel County | $832,750 |
| Lawrence County | $832,750 |
| Lee County | $832,750 |
| Leslie County | $832,750 |
| Letcher County | $832,750 |
| Lewis County | $832,750 |
| Lincoln County | $832,750 |
| Livingston County | $832,750 |
| Logan County | $832,750 |
| Lyon County | $832,750 |
| Mccracken County | $832,750 |
| Mccreary County | $832,750 |
| Mclean County | $832,750 |
| Madison County | $832,750 |
| Magoffin County | $832,750 |
| Marion County | $832,750 |
| Marshall County | $832,750 |
| Martin County | $832,750 |
| Mason County | $832,750 |
| Meade County | $832,750 |
| Menifee County | $832,750 |
| Mercer County | $832,750 |
| Metcalfe County | $832,750 |
| Monroe County | $832,750 |
| Montgomery County | $832,750 |
| Morgan County | $832,750 |
| Muhlenberg County | $832,750 |
| Nelson County | $832,750 |
| Nicholas County | $832,750 |
| Ohio County | $832,750 |
| Oldham County | $832,750 |
| Owen County | $832,750 |
| Owsley County | $832,750 |
| Pendleton County | $832,750 |
| Perry County | $832,750 |
| Pike County | $832,750 |
| Powell County | $832,750 |
| Pulaski County | $832,750 |
| Robertson County | $832,750 |
| Rockcastle County | $832,750 |
| Rowan County | $832,750 |
| Russell County | $832,750 |
| Scott County | $832,750 |
| Shelby County | $832,750 |
| Simpson County | $832,750 |
| Spencer County | $832,750 |
| Taylor County | $832,750 |
| Todd County | $832,750 |
| Trigg County | $832,750 |
| Trimble County | $832,750 |
| Union County | $832,750 |
| Warren County | $832,750 |
| Washington County | $832,750 |
| Wayne County | $832,750 |
| Webster County | $832,750 |
| Whitley County | $832,750 |
| Wolfe County | $832,750 |
| Woodford County | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for Kentucky down-payment help?
Kentucky Housing Corporation is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare Kentucky quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a Kentucky loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured Kentucky rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in Kentucky
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with Kentucky Housing Corporation before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same Kentucky property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating Kentucky originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
Kentucky mortgage questions
What is the 2026 conforming loan limit in Kentucky?
The 2026 one-unit limit is $832,750 across the 120 county-equivalent areas in FHFA’s Kentucky table. Two- to four-unit limits differ. This is a loan-amount limit, not a home-price cap or an approval.
Where can I find Kentucky homebuyer assistance information?
Start with Kentucky Housing Corporation, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual Kentucky offers?
No. The market link provides dated national benchmarks. An actual Kentucky quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.