In 2026, the conventional loan limit for Harlan in Harlan county, KY, is $726,200. The FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today's top rates among Conventional, FHA, and USDA loans, assessing the necessary income, credit, and reserves needed for qualification. With our advanced mortgage tool, you can view Conforming Conventional, USDA, FHA, and VA loans side by side to help you choose the best program in KY for your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
Applies to these zip codes: 40831
At Lendersa®, our goal is to get you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points to connect with suitable lenders and programs.
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