We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN KENTUCKY

FHA loans have been helping Kentucky residents since 1934

A licensed Kentucky FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

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 programs.

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 mortgage interest rates continue to set new record lows almost every week for more than two month.

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 completely on your own.

Kentucky FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan that best fits 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 based upon:

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

√ An 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 2022

Kentucky Median Home Sale Price Price $148,900

County Name	Single	Duplex	3 Unit	4 Unit
ADAIR	$275,665	$352,950	$426,625	$530,150

ALLEN	$275,665	$352,950	$426,625	$530,150
BOWLING GREEN, KY
ANDERSON	$275,665	$352,950	$426,625	$530,150
FRANKFORT, KY
BALLARD	$275,665	$352,950	$426,625	$530,150
PADUCAH, KY-IL
BARREN	$275,665	$352,950	$426,625	$530,150
GLASGOW, KY
BATH	$275,665	$352,950	$426,625	$530,150
MOUNT STERLING, KY
BELL	$275,665	$352,950	$426,625	$530,150
MIDDLESBOROUGH, KY
BOONE	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
BOURBON	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY
BOYD	$275,665	$352,950	$426,625	$530,150
HUNTINGTON-ASHLAND, WV-KY-OH

BOYLE	$275,665	$352,950	$426,625	$530,150
DANVILLE, KY
BRACKEN	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
BREATHITT	$275,665	$352,950	$426,625	$530,150
BRECKINRIDGE	$275,665	$352,950	$426,625	$530,150
BULLITT	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
BUTLER	$275,665	$352,950	$426,625	$530,150
BOWLING GREEN, KY
CALDWELL	$275,665	$352,950	$426,625	$530,150

CALLOWAY	$275,665	$352,950	$426,625	$530,150
MURRAY, KY

CAMPBELL	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
CARLISLE	$275,665	$352,950	$426,625	$530,150
CARROLL	$275,665	$352,950	$426,625	$530,150
CARTER	$275,665	$352,950	$426,625	$530,150
CASEY	$275,665	$352,950	$426,625	$530,150
CHRISTIAN	$275,665	$352,950	$426,625	$530,150
CLARKSVILLE, TN-KY

CLARK	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY

CLAY	$275,665	$352,950	$426,625	$530,150

CLINTON	$275,665	$352,950	$426,625	$530,150
NON-METRO
CRITTENDEN	$275,665	$352,950	$426,625	$530,150
CUMBERLAND	$275,665	$352,950	$426,625	$530,150
DAVIESS	$275,665	$352,950	$426,625	$530,150
OWENSBORO, KY
EDMONSON	$275,665	$352,950	$426,625	$530,150
BOWLING GREEN, KY
ELLIOTT	$275,665	$352,950	$426,625	$530,150
ESTILL	$275,665	$352,950	$426,625	$530,150
FAYETTE	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY
FLEMING	$275,665	$352,950	$426,625	$530,150
NON-METRO
FLOYD	$275,665	$352,950	$426,625	$530,150
FRANKLIN	$275,665	$352,950	$426,625	$530,150
FRANKFORT, KY
FULTON	$275,665	$352,950	$426,625	$530,150
UNION CITY, TN-KY
GALLATIN	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
GARRARD	$275,665	$352,950	$426,625	$530,150

GRANT	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN

GRAVES	$275,665	$352,950	$426,625	$530,150
MAYFIELD, KY
GRAYSON	$275,665	$352,950	$426,625	$530,150
GREEN	$275,665	$352,950	$426,625	$530,150
GREENUP	$275,665	$352,950	$426,625	$530,150
HUNTINGTON-ASHLAND, WV-KY-OH
HANCOCK	$275,665	$352,950	$426,625	$530,150
OWENSBORO, KY
HARDIN	$275,665	$352,950	$426,625	$530,150
ELIZABETHTOWN-FORT KNOX, KY
HARLAN	$275,665	$352,950	$426,625	$530,150
HARRISON	$275,665	$352,950	$426,625	$530,150
HART	$275,665	$352,950	$426,625	$530,150
NON-METRO
HENDERSON	$275,665	$352,950	$426,625	$530,150
EVANSVILLE, IN-KY
HENRY	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
HICKMAN	$275,665	$352,950	$426,625	$530,150
HOPKINS	$275,665	$352,950	$426,625	$530,150
MADISONVILLE, KY
JACKSON	$275,665	$352,950	$426,625	$530,150

JEFFERSON	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN

JESSAMINE	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY
JOHNSON	$275,665	$352,950	$426,625	$530,150
KENTON	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
KNOTT	$275,665	$352,950	$426,625	$530,150
KNOX	$275,665	$352,950	$426,625	$530,150
LONDON, KY
LARUE	$275,665	$352,950	$426,625	$530,150
ELIZABETHTOWN-FORT KNOX, KY

LAUREL	$275,665	$352,950	$426,625	$530,150
LONDON, KY

LAWRENCE	$275,665	$352,950	$426,625	$530,150

LEE	$275,665	$352,950	$426,625	$530,150
NON-METRO
LESLIE	$275,665	$352,950	$426,625	$530,150
LETCHER	$275,665	$352,950	$426,625	$530,150
LEWIS	$275,665	$352,950	$426,625	$530,150
LINCOLN	$275,665	$352,950	$426,625	$530,150
DANVILLE, KY
LIVINGSTON	$275,665	$352,950	$426,625	$530,150
PADUCAH, KY-IL

LOGAN	$275,665	$352,950	$426,625	$530,150

LYON	$275,665	$352,950	$426,625	$530,150

MADISON	$275,665	$352,950	$426,625	$530,150
RICHMOND-BEREA, KY
MAGOFFIN	$275,665	$352,950	$426,625	$530,150
MARION	$275,665	$352,950	$426,625	$530,150
MARSHALL	$275,665	$352,950	$426,625	$530,150
MARTIN	$275,665	$352,950	$426,625	$530,150
MASON	$275,665	$352,950	$426,625	$530,150
MAYSVILLE, KY

MCCRACKEN	$275,665	$352,950	$426,625	$530,150
PADUCAH, KY-IL
MCCREARY	$275,665	$352,950	$426,625	$530,150
MCLEAN	$275,665	$352,950	$426,625	$530,150
OWENSBORO, KY
MEADE	$275,665	$352,950	$426,625	$530,150
ELIZABETHTOWN-FORT KNOX, KY
MENIFEE	$275,665	$352,950	$426,625	$530,150
MOUNT STERLING, KY
MERCER	$275,665	$352,950	$426,625	$530,150
METCALFE	$275,665	$352,950	$426,625	$530,150
GLASGOW, KY
MONROE	$275,665	$352,950	$426,625	$530,150
MONTGOMERY	$275,665	$352,950	$426,625	$530,150
MOUNT STERLING, KY
MORGAN	$275,665	$352,950	$426,625	$530,150
MUHLENBERG	$275,665	$352,950	$426,625	$530,150
NON-METRO
NELSON	$275,665	$352,950	$426,625	$530,150
BARDSTOWN, KY
NICHOLAS	$275,665	$352,950	$426,625	$530,150
OHIO	$275,665	$352,950	$426,625	$530,150
OLDHAM	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
OWEN	$275,665	$352,950	$426,625	$530,150
OWSLEY	$275,665	$352,950	$426,625	$530,150
PENDLETON	$275,665	$352,950	$426,625	$530,150
CINCINNATI, OH-KY-IN
PERRY	$275,665	$352,950	$426,625	$530,150
NON-METRO
PIKE	$275,665	$352,950	$426,625	$530,150
POWELL	$275,665	$352,950	$426,625	$530,150
PULASKI	$275,665	$352,950	$426,625	$530,150
SOMERSET, KY
ROBERTSON	$275,665	$352,950	$426,625	$530,150
ROCKCASTLE	$275,665	$352,950	$426,625	$530,150
RICHMOND-BEREA, KY

ROWAN	$275,665	$352,950	$426,625	$530,150
RUSSELL	$275,665	$352,950	$426,625	$530,150
SCOTT	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY
SHELBY	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
SIMPSON	$275,665	$352,950	$426,625	$530,150
SPENCER	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
TAYLOR	$275,665	$352,950	$426,625	$530,150
CAMPBELLSVILLE, KY

TODD	$275,665	$352,950	$426,625	$530,150

TRIGG	$275,665	$352,950	$426,625	$530,150
CLARKSVILLE, TN-KY

TRIMBLE	$299,000	$382,750	$462,650	$575,000
LOUISVILLE/JEFFERSON , KY-IN
UNION	$275,665	$352,950	$426,625	$530,150
WARREN	$275,665	$352,950	$426,625	$530,150
BOWLING GREEN, KY
WASHINGTON	$275,665	$352,950	$426,625	$530,150
WAYNE	$275,665	$352,950	$426,625	$530,150
WEBSTER	$275,665	$352,950	$426,625	$530,150
WHITLEY	$275,665	$352,950	$426,625	$530,150
LONDON, KY
WOLFE	$275,665	$352,950	$426,625	$530,150
WOODFORD	$275,665	$352,950	$426,625	$530,150
LEXINGTON-FAYETTE, KY

FHA Loan Information

The FHA does not lend money. The FHA (Federal Housing Administration) is part of HUD & backs individual Approved Lenders.

Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your Credit Score, your State Location, and the Type of Loan you apply for. Our responsibility is to help you find the best FHA Approved Lender who can help you secure financing.

Note: We are not affiliated with the Federal Housing Administration, the Department of Housing and Urban Development, or any other government agency. We are an FHA Educational Resource.

Read more

FHA News & Information

Last week's drop in interest rates sparked a surge in purchase mortgage application volume for the first time in over a month.

FHA Government Loans | 4301 50th St. NW | Suite 300 | Washington DC 20016

FHA Government Loans .org is a not a lender or a mortgage broker. We do not direct market by phone or email consumers. We do not provide any loans, loan modifications or foreclosure services. Note- FHA Government Loans .org is not affiliated with HUD or FHA and is not a government agency. FHA Government Loans .org is a website that provides information about mortgages and loans and does not offer loans or mortgages directly or indirectly through and representatives or agents. Any request for mortgages will be arranged by third party providers We do not direct market by phone or email towards consumers. FHA Government Loans .org is known as Mortgage Information Technologies LLC in lieu of true name, is a news and information service providing Federal Housing Authority news, content and directory information relative to mortgages and loans. We are not responsible for the accuracy of information and/or interest rates represented and we are under the assumption that all content is in accordance with the Copyright Policies of the United States of America and territories If you are suspicious of any fraudulent activities or if you have any questions Contact Us or your local HUD Agency or the Office of the Inspector General.