FHA VS Conventional loan programs in 2026 for 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.
KUE Federal Credit Union has been open since 1976. It's the 25th largest credit union in Kentucky with assets totaling $55.24 Million and providing banking services to more than 3,000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
Central Bank traces its roots back to 1938, when the Southern Industrial Loan Company was founded. Soon after that, the name was changed to Central Exchange Bank. In 1946, Garvice D. Kincaid purchased Central Exchange Bank and shortened the name to Central Bank.
We’ve grown significantly from our humble beginnings at the corner of Short
We offer loan services in Lexington while providing mortgage industry expertise in their next purchase or refinance. Our loan services include residential and commercial loans. Whether you're looking to buy a new home or car, purchase commercial property, buy farmland or farm equipment, you can get started with The Home Savings and Loan Company.
Jim Mischner is a "private mortgage" lender. He loans his own money to real estate investors who either are purchasing non-owner occupied properties or are refinancing the non-owner occupied properties they already own. These properties include commercial, multi-family and all rental properties. Lending $20, 000 - $4, 000, 000 and CLOSE IN 10 DAYS!
1306 Versailles Road, Suite 140, Lexington, KY, 40504
Lends in Kentucky
MECU was established in 1940 by city employees looking for a way to earn higher rates on savings and lower rates for loans.
Today, MECU has grown into a full service credit union. Membership in MECU is open to employees of the City of Lexington, employees of accepted outside agencies of the City of Lexington, employees of the Credit Union.
Since 1953, Greater Kentucky Credit Union has made being with a Credit Union easy and rewarding. While some credit unions have niche membership eligibility requirements, Greater Kentucky membership is open to anyone who lives, works, worships or attends school in any of the 24 counties in Kentucky or to any relative of an existing member.
"Walden Mortgage Group is a Kentucky mortgage lender based in Lexington, Kentucky. Whether you're in Central, Eastern or Western Kentucky; whether you're looking for an FHA, VA, KHC or conventional loan, we're the source for your local mortgage loan solution. We represent a wide variety of local"
Members Heritage opened its doors in April 1960 as IBM (Lexington) Employees Federal Credit Union. In the early 1990’s, the credit union began to grow and diversify, offering service to employees at additional companies. In 1993, our name was changed to Members Heritage Federal Credit Union, representing the concept of member ownership.
Bank of the Bluegrass & Trust Co., is a locally owned community bank serving Lexington, Ky., and it's surrounding communities for over 45 years. We create relationships for life with our clients by providing a full range of services to meet their personal and business needs. These services are delivered and supported by experienced professionals th
