FHA VS Conventional loan programs in 2026 for Monticello, Wayne County, Kentucky
In 2026, the conventional loan limit for Monticello, located in the county of Wayne, KY, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the best rates available today for Conventional, FHA, and USDA loans, determining the income, credit, reserves, and documents needed for qualification. Our advanced calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you to select the most suitable program in KY for your financial needs.
2026 Loan Limits and Down Payment Obligations in Monticello, Wayne County, KY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the following zip codes: 42633
Exploring Conventional and FHA Loan Opportunities in Monticello, KY
At Lendersa®, the goal is to easily deliver the best possible Conventional, USDA, or FHA loan without hassle. Begin with one of three starting points to connect with matching lenders and loan programs.
When Monticello Banking Company first opened in 1895, we did our bookkeeping by hand. Our transportation to work was on horseback and no one had ever heard of air-conditioning. Today, over 125 years later, Monticello Banking Company has seen a lot of things come and go. We were one of the few banks in Kentucky that survived the great depression.
Bank of Jamestown has been committed to serving this area since 1899 and nothing has changed about that. We are more committed than ever to our community and customers. We are continually investing in new technology to better meet the needs of our customers. We are a locally-owned
Established in 1904, Citizens Bank grew along with the community that surrounded it. By 1910 the bank had grown in reputation and financial strength, which placed it among the top financial institutions in Southeastern Kentucky. In 1958 Mr. R.C. Anderson was appointed as bank President. Devoted to his work, his people, and his community
Our story began in February of 2008 with the incorporation of First & Farmers National Bank, but our roots in our four communities are much deeper.
Our history can be traced back to Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County.
Citizens National Bank is a locally owned bank that has been serving the people of Pulaski County since 1920. We offer a wide range of products to help you achieve your financial goals, along with a high level of customer service and convenient locations. We have seven locations in Pulaski County, as well as one in Wayne County, Russell County.
United Citizens Bank, customer service is our first priority. Our friendly, knowledgeable staff will stop at nothing to provide you with courteous service and a great banking experience and also UCB was founded on the solid banking principles of providing the products and services needed by the people and businesses in our communities and providing
Bank of Columbia has been serving the community of Adair County since 1866. Our commitment has not changed since the beginning–We want to see our businesses grow and our citizens thrive. We care about the success of our families, farms, local businesses and growing industries because your success is our success.
The Casey County Bank Inc, was granted a charter by the Kentucky Department of Banking December 19, 1939 and opened for business December 20, 1939, the bank was capitalized at $50,000.00 with a surplus of $10,000.00.
The bank grew from the first day of business as it was the only bank in Liberty, the county seat.
