FHA VS Conventional loan programs in 2025 for Monticello, Wayne County, Kentucky

In 2025, 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.

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2025 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.

Outcomes for Lendersa USDA loan requests


  • 1ST LOS ANGELES MORTGAGE
  • 2615 Pacific Coast Hwy, Suite 200, Hermosa Beach, CA, 90254
  • We specialize in Purchase Financing, Refinancing, and Cash Out loans. Local Hermosa Beach Residential Lender servicing Hermosa Beach, Los Angeles, and all of California. With over 20 years in the business, we have the expertise and knowledge to assist you in all of your home financing needs.
  • AWM Realty Inc.
  • 923 6th Street, Hermosa Beach, CA, 90254
  • AWM Realty Inc founder of the Linda Wang-Mizukami has been a Real Estate Broker for over 20 years, and a Mortgage Loan Broker for over 15 years. She owns AWM Realty, Inc. Her company’s portfolio also includes Real Estate Management. She is an excellent negotiator for the purchase and sale of real estate property.
  • South Bay Credit Union
  • 312 N Pacific Coast Hwy, Redondo Beach, CA, 90277
  • For the long version we have to go back to 1953, the year we first opened our doors. It was a year that started with Harry Truman in the Oval Office and Joseph Stalin ruling the USSR in Moscow. If you’re like some of our youngest members (Jessie, age 8, whose mom recently opened a savings account for her) that might as well be “ancient times.
  • King Harbor Wealth Management
  • 1801 South Catalina Avenue, Suite 305, Redondo Beach, CA, 90277
  • "King Harbor is a boutique wealth management business. We are a South Bay based financial advisor with wealth management offices in Redondo Beach and Palos Verdes. Our principal has over 20 years of institutional investment experience. We cater to those seeking a long-term relationship and who value expertise with a disciplined,"
  • SSK Mortgage
  • 234 South Guadalupe Avenue, Unit B, Redondo Beach, CA, 90277
  • Our team is committed to providing our clients with the highest quality financial services. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you’re purchasing your dream home,
  • cbloans.com
  • 116 South Catalina Avenue, Suite 111, Redondo Beach, CA, 90277
  • CB Loans is a reputable Mortgage Broker in California. If you are looking for a professional mortgage broker who knows the ins-and-outs of the loan industry and who will look out for your best interest, look no further. With over 35+ years in the loan industry, CB Loans has been able to help existing homeowners, new home buyers and business people.
  • South Bay Equity Lending
  • 1611 South Pacific Coast Highway, Suite 102, Redondo Beach, CA, 90277
  • South Bay Equity Lending (SBEL) was established in 1998. In 2001, Matthew Hadnett, a former Wells Fargo executive, joined the organization. Matthew has managed SBEL since 2001 and is also the principal. The headquarters are located in the Riviera Village, Redondo Beach. SBEL is both a mortgage broker and a mortgage banker.
  • Riviera Funding
  • 1801 South Catalina Avenue, Suite 201, Redondo Beach, CA, 90277
  • Our goal at Riviera Funding is to be the “lender for life” for every one of our clients. Additionally, we expect to continue our growth as a company through the referrals of every one of our past (and current) clients. We have been successful with this philosophy in the past & expect to continue to be successful with this philosophy in the future.
  • Professional Lending Network
  • 1711 Via El Prado, Suite 103-B, Redondo Beach, CA, 90277
  • Professional Lending Network is a full-service brokerage for wholesale mortgages. It specializes in single family residences as well as units.With over 15 years of experience as a mortgage broker, real estate broker, and estate planning lawyer, Gregory is uniquely positioned to help his clients with a wide variety of matters.
  • Vista Loans
  • 1402 Esplanade, Suite 1, Redondo Beach, CA, 90277
  • You will work with a team that has 57 years of combined mortgage industry experience. Vista Loans uses the latest comparative analysis software which allows us to research and compare hundreds of loan programs & rates to find the best options to meet your needs. Your satisfaction is our Top Priority! Most Important to Us is Customers Satisfaction.
  • Federal Commercial Funding
  • 16133 Ventura Blvd, 7th Floor, Encino, CA, 91436
  • Federal Commercial Funding’s multifamily and commercial lending division offers nationwide lending and has consistently earned a reputation as a company that delivers. Our lending programs cover loans for multifamily, retail, office, industrial and Bridge Loans for all asset types.