FHA VS Conventional loan programs in 2026 for Cold-Spring, Campbell County, Kentucky
In 2026, the conventional loan limit for Cold-Spring in Campbell county, KY, is set at $647,200. The FHA limit for a single-family home, however, is $420,680.
Take advantage of the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Understand the income, credit, reserves, and documents necessary for qualification. This advanced tool lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, facilitating your decision on the best program in KY for your particular financial needs.
Details of 2026 Loan Limits and Down Payments in Cold-Spring, Campbell County, KY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This is valid for zip codes: 41076
Uncover Conventional and FHA Loan Options in Cold-Spring, KY
The mission of Lendersa® is to secure the ideal Conventional, USDA, or FHA loan swiftly and without complications. Begin by selecting one of the three starting points, leading you to the right lenders and loan programs.
In 1973, a group of Northern Kentucky University employees decided to create Northern Kentucky Educators’ Federal Credit Union. While we began as a credit union for NKU employees, we soon grew to include over 30 businesses and school districts. We are proud of how much we’ve grown over the years, and are excited to see where the future takes.
We have over 37 years of combined experience helping people secure mortgage loans for their homes. Our loan programs include FHA, VA, USDA & more so you can be sure you’re choosing the right type of loan when you work with us. Prost Mortgage Group is a mortgage lender helping you make informed and confident decisions when securing a mortgage loan.
880 Alexandria Pike, Suite 203, Fort Thomas, KY, 41075
Lends in Kentucky
D A Griffin Financial, LLC. We are a full service mortgage BROKER company based in Fort Thomas, Kentucky. As a small business we are on top of every transaction at all times. We can help you realize your dream of home ownership or save you money on a refinance. Our mission is to serve our customers with honesty, integrity and competence.
Citizens Federal Savings and Loan Association of Covington
433 Madison Avenue, Covington, KY, 41011
Lends in Kentucky
Citizens Federal Savings and Loan Association of Covington, KY has been a part of the community since 1886. We are one of the last mutual institutions remaining in Northern Kentucky.
As a mutual savings and loan each customer has a stake and ownership in our association. As a mutual savings and loan each customer has a stake
"Over the years, Cincinnati Federal has continued to expand its footprint in the Cincinnati area through acquisition of other savings institutions such as Delta S & L, McHenry S & L and Fulton #4. In the 1980's Cincinnati Federal continued to grow and opened offices in the Miami Heights area and in Anderson Township."
First Equity Mortgage has closed more than $5 billion in mortgage loans for thousands of Drees customers. With almost 40 years of new construction lending experience, we truly understand the excitement, anticipation and stress that can be associated with building a home. This knowledge helps us provide you with the friendly customer experience
