THE FHA IN Kentucky

FHA loans have been helping Kentucky residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

Kentucky First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in Kentucky with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Kentucky FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

Kentucky FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

Kentucky FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one FHA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your FHA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

Kentucky FHA Lending Limits 2025

Kentucky Median Home Sale Price Price $271,000

CountyOne Unit Two UnitThree Unit Four Unit
ADAIR$524,225 $671,200$811,275 $1,008,300
ALLEN$524,225 $671,200$811,275 $1,008,300
ANDERSON$524,225 $671,200$811,275 $1,008,300
BALLARD$524,225 $671,200$811,275 $1,008,300
BARREN$524,225 $671,200$811,275 $1,008,300
BATH$524,225 $671,200$811,275 $1,008,300
BELL$524,225 $671,200$811,275 $1,008,300
BOONE$524,225 $671,200$811,275 $1,008,300
BOURBON$524,225 $671,200$811,275 $1,008,300
BOYD$524,225 $671,200$811,275 $1,008,300
BOYLE$524,225 $671,200$811,275 $1,008,300
BRACKEN$524,225 $671,200$811,275 $1,008,300
BREATHITT$524,225 $671,200$811,275 $1,008,300
BRECKINRIDGE$524,225 $671,200$811,275 $1,008,300
BULLITT$524,225 $671,200$811,275 $1,008,300
BUTLER$524,225 $671,200$811,275 $1,008,300
CALDWELL$524,225 $671,200$811,275 $1,008,300
CALLOWAY$524,225 $671,200$811,275 $1,008,300
CAMPBELL$524,225 $671,200$811,275 $1,008,300
CARLISLE$524,225 $671,200$811,275 $1,008,300
CARROLL$524,225 $671,200$811,275 $1,008,300
CARTER$524,225 $671,200$811,275 $1,008,300
CASEY$524,225 $671,200$811,275 $1,008,300
CHRISTIAN$524,225 $671,200$811,275 $1,008,300
CLARK$524,225 $671,200$811,275 $1,008,300
CLAY$524,225 $671,200$811,275 $1,008,300
CLINTON$524,225 $671,200$811,275 $1,008,300
CRITTENDEN$524,225 $671,200$811,275 $1,008,300
CUMBERLAND$524,225 $671,200$811,275 $1,008,300
DAVIESS$524,225 $671,200$811,275 $1,008,300
EDMONSON$524,225 $671,200$811,275 $1,008,300
ELLIOTT$524,225 $671,200$811,275 $1,008,300
ESTILL$524,225 $671,200$811,275 $1,008,300
FAYETTE$524,225 $671,200$811,275 $1,008,300
FLEMING$524,225 $671,200$811,275 $1,008,300
FLOYD$524,225 $671,200$811,275 $1,008,300
FRANKLIN$524,225 $671,200$811,275 $1,008,300
FULTON$524,225 $671,200$811,275 $1,008,300
GALLATIN$524,225 $671,200$811,275 $1,008,300
GARRARD$524,225 $671,200$811,275 $1,008,300
GRANT$524,225 $671,200$811,275 $1,008,300
GRAVES$524,225 $671,200$811,275 $1,008,300
GRAYSON$524,225 $671,200$811,275 $1,008,300
GREEN$524,225 $671,200$811,275 $1,008,300
GREENUP$524,225 $671,200$811,275 $1,008,300
HANCOCK$524,225 $671,200$811,275 $1,008,300
HARDIN$524,225 $671,200$811,275 $1,008,300
HARLAN$524,225 $671,200$811,275 $1,008,300
HARRISON$524,225 $671,200$811,275 $1,008,300
HART$524,225 $671,200$811,275 $1,008,300
HENDERSON$524,225 $671,200$811,275 $1,008,300
HENRY$524,225 $671,200$811,275 $1,008,300
HICKMAN$524,225 $671,200$811,275 $1,008,300
HOPKINS$524,225 $671,200$811,275 $1,008,300
JACKSON$524,225 $671,200$811,275 $1,008,300
JEFFERSON$524,225 $671,200$811,275 $1,008,300
JESSAMINE$524,225 $671,200$811,275 $1,008,300
JOHNSON$524,225 $671,200$811,275 $1,008,300
KENTON$524,225 $671,200$811,275 $1,008,300
KNOTT$524,225 $671,200$811,275 $1,008,300
KNOX$524,225 $671,200$811,275 $1,008,300
LARUE$524,225 $671,200$811,275 $1,008,300
LAUREL$524,225 $671,200$811,275 $1,008,300
LAWRENCE$524,225 $671,200$811,275 $1,008,300
LEE$524,225 $671,200$811,275 $1,008,300
LESLIE$524,225 $671,200$811,275 $1,008,300
LETCHER$524,225 $671,200$811,275 $1,008,300
LEWIS$524,225 $671,200$811,275 $1,008,300
LINCOLN$524,225 $671,200$811,275 $1,008,300
LIVINGSTON$524,225 $671,200$811,275 $1,008,300
LOGAN$524,225 $671,200$811,275 $1,008,300
LYON$524,225 $671,200$811,275 $1,008,300
MADISON$524,225 $671,200$811,275 $1,008,300
MAGOFFIN$524,225 $671,200$811,275 $1,008,300
MARION$524,225 $671,200$811,275 $1,008,300
MARSHALL$524,225 $671,200$811,275 $1,008,300
MARTIN$524,225 $671,200$811,275 $1,008,300
MASON$524,225 $671,200$811,275 $1,008,300
MCCRACKEN$524,225 $671,200$811,275 $1,008,300
MCCREARY$524,225 $671,200$811,275 $1,008,300
MCLEAN$524,225 $671,200$811,275 $1,008,300
MEADE$524,225 $671,200$811,275 $1,008,300
MENIFEE$524,225 $671,200$811,275 $1,008,300
MERCER$524,225 $671,200$811,275 $1,008,300
METCALFE$524,225 $671,200$811,275 $1,008,300
MONROE$524,225 $671,200$811,275 $1,008,300
MONTGOMERY$524,225 $671,200$811,275 $1,008,300
MORGAN$524,225 $671,200$811,275 $1,008,300
MUHLENBERG$524,225 $671,200$811,275 $1,008,300
NELSON$524,225 $671,200$811,275 $1,008,300
NICHOLAS$524,225 $671,200$811,275 $1,008,300
OHIO$524,225 $671,200$811,275 $1,008,300
OLDHAM$524,225 $671,200$811,275 $1,008,300
OWEN$524,225 $671,200$811,275 $1,008,300
OWSLEY$524,225 $671,200$811,275 $1,008,300
PENDLETON$524,225 $671,200$811,275 $1,008,300
PERRY$524,225 $671,200$811,275 $1,008,300
PIKE$524,225 $671,200$811,275 $1,008,300
POWELL$524,225 $671,200$811,275 $1,008,300
PULASKI$524,225 $671,200$811,275 $1,008,300
ROBERTSON$524,225 $671,200$811,275 $1,008,300
ROCKCASTLE$524,225 $671,200$811,275 $1,008,300
ROWAN$524,225 $671,200$811,275 $1,008,300
RUSSELL$524,225 $671,200$811,275 $1,008,300
SCOTT$524,225 $671,200$811,275 $1,008,300
SHELBY$524,225 $671,200$811,275 $1,008,300
SIMPSON$524,225 $671,200$811,275 $1,008,300
SPENCER$524,225 $671,200$811,275 $1,008,300
TAYLOR$524,225 $671,200$811,275 $1,008,300
TODD$524,225 $671,200$811,275 $1,008,300
TRIGG$524,225 $671,200$811,275 $1,008,300
TRIMBLE$524,225 $671,200$811,275 $1,008,300
UNION$524,225 $671,200$811,275 $1,008,300
WARREN$524,225 $671,200$811,275 $1,008,300
WASHINGTON$524,225 $671,200$811,275 $1,008,300
WAYNE$524,225 $671,200$811,275 $1,008,300
WEBSTER$524,225 $671,200$811,275 $1,008,300
WHITLEY$524,225 $671,200$811,275 $1,008,300
WOLFE$524,225 $671,200$811,275 $1,008,300
WOODFORD$524,225 $671,200$811,275 $1,008,300