FHA VS Conventional loan in Frankfort, Franklin County, Kentucky

In the year 2025, the conventional loan limit available in Frankfort, located in the county of Franklin, KY, is $726,200. Meanwhile, for a single-family home, the FHA limit is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to contrast top rates available today among Conventional, FHA, and USDA loans. Determine the necessary income, credit worthiness, reserves, and documentation required to qualify. This advanced mortgage calculator allows users to efficiently compare Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in deciding which program is optimal for your financial setting in KY.

Review offers from a selection of 100 lenders

2025 Loan Limits and Downpayment Guidelines in Frankfort, Franklin, KY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

Note: This table is applicable to the following zip codes: 40604, 40601, 40603, 40618, 40619, 40620, 40621, 40622

Explore Conventional and FHA Loan Solutions in Frankfort, KY

The aim of Lendersa® is to provide you with the most suitable and expedient Conventional, USDA, or FHA loan. Start your journey by selecting from three initial paths that lead to matching lenders and loan programs.

Access Lendersa's USDA loan request matches


  • Autumn Financial Group
  • 3598 State Highway 11, Suite 116, Travelers Rest, SC, 29690
  • Autumn Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Wayne County Bank
  • 216 South High Street, Hwy 64 W, Waynesboro, TN, 38485
  • The Wayne County Bank came into existence the year America entered WWI in 1914. The story of the Wayne County Bank until 1962 was the story of James L. Morrow. “Mr. Jim” was the prime mover in the organization of the bank. He served as cashier for 48 years and was a guiding force until his death in 1962. Mr. Morrow, the son of D.N.
  • Community First Bank, Inc.
  • 3685 Blue Ridge Boulevard, Walhalla, SC, 29691
  • Our mission is to provide superior performance and outstanding customer service, while earning a reasonable profit. We will maintain safety and soundness and remain an independent bank, while being fully aware of opportunities to acquire other financial institutions. Community First Bank opened for business in March of 1990.
  • CU Mortgage Service
  • 225 Aberdeen Drive, Suite A, Valparaiso, IN, 46385
  • CU Mortgage Service works with both credit union members and non-members. Whether you’re financing your first home, refinancing your current one, or buying your dream home, our loan officers will help you choose a mortgage that’s right for you. It’s what we’ve been doing since 1986.
  • Southern Michigan Bank & Trust
  • 51 W Pearl St, Coldwater, MI, 49036
  • SMB&T is a community bank serving Branch, Calhoun, Hillsdale and St. Joseph Counties in Michigan. SMB&T moves into the future, one thing its customers can always count on is that they will enjoy Banking As It Should Be. People at SMB&T build trusting relationships with customers by providing friendly, personal financial services.
  • LaPorte Community Federal Credit Union
  • 1800 E Lincolnway, La Porte, IN, 46350
  • LaPorte Community Federal Credit Union has been serving in the community since 1937 when it began as The Allis Chalmers Credit Union. Membership was composed solely of Allis Chalmers workers and their families. Credit union business was conducted in a small office located inside the Allis Chalmers plant. As times, neighborhoods and employment
  • Wells Funding Group
  • 6819 E Lincoln Hwy, Crown Point, IN, 46307
  • We take pride in providing all of our clients with an honest consultation, a transparent process, expert loan advice, and a streamlined mortgage experience. The Wells team prides itself on friendly, attentive, and proactive service. You will always be able to speak or meet with us personally.
  • Kirk and Company Real Estate
  • 9800 Connecticut Dr, Crown Point, IN, 46307
  • "Full Service Real Estate Company that Guarantees the Sale of a Home or They'll Buy It!* *Seller and Kirk must agree on price and closing date. While many agents will promise to sell your home, the reality of the real estate market is that this simply doesn't always happen. Even if the home does eventually sell, the homeowner"
  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.
  • Decatur County Bank
  • 56 N. Pleasant St., Decaturville, TN, 38329
  • Decatur County Bank has grown exponentially since opening more than a century ago. In 2010, we established West Tennessee Bank, in order to better serve customers in surrounding counties. In 2018, the Jackson branch of West Tennessee Bank opened on Union University Drive. Because of you, we continue to grow and thrive throughout West Tennessee