Explore the differences! FHA VS Conventional loan programs in Lexington, Fayette County, Kentucky
In 2026, the Conventional loan limit in Lexington, situated in Fayette county of KY, is $726,200. The FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates between Conventional, FHA, and USDA loans. This tool helps determine income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side to help decide the best fit for your financial situation in KY.
2026 Loan Limits and Down Payment Requirements in Lexington, Fayette, KY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$0
0%
FHA
$472,030
3.5%
This comparison applies to these zip codes: 40505
Conventional and FHA Loan Options in Lexington, KY
The goal of Lendersa® is to quickly connect you to the best possible Conventional, USDA, or FHA loan, without hassle. Start with one of three pathways to find compatible lenders and programs.
First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.
We opened our doors in May 1979 with a purpose and a mission to focus on the banking needs of our community. Over 35 years later, the Community Bank of Raymore still believes in and focuses on local residents. We are committed to meeting financial needs of our clients. Your finances are very personal and we realize that.
R-G Federal Credit Union to operate the Credit Union in accordance with the Federal Credit Union Act, The National Credit Union Administration rules & regulations and other applicable laws and regulations. Accordingly, our primary objective shall be to ensure the safety and soundness of the Credit Union.
Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
At Grand Bank we put people first. We have been providing our customers with superior and flexible service with a hometown approach since 1968. Our mission is to serve our communities and customers so that families grow stronger, businesses thrive, and communities flourish. Grand Bank is both a great place to save for our customers.
Park Bank first opened for business in Holmen in 1909. The first loan made was to buy corn for spring planting and our first deposit was for $300 into a savings account for a down payment on a new home. Today with offices also in La Crosse and Sparta, Park Bank still offers the same personalized service, pays the best money market rates.
Marshfield Medical Center Credit Union was chartered in 1965 under laws of the State of Wisconsin by employees of St. Joseph’s Hospital. Until 1985 the credit union operated from office space in the hospital. That year we relocated to our own facility. Since then we have added numerous services and enjoyed exceptional growth.
