During 2026, the conventional loan ceiling in Owensboro, within the county of Daviess, KY, stands at $726,200. For a single-family residence, the FHA loan limit is $472,030.
To evaluate the best current rates for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. This tool helps ascertain the income, credit requirements, reserves, and documentation needed for qualification. With it, you can view side-by-side comparisons of Conforming Conventional loans with USDA, FHA, and VA options, assisting in finding the most suitable choice for your financial needs in KY.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This table applies to ZIP codes: 42303
Our aim at Lendersa® is to swiftly connect you with the best possible Conventional, USDA, or FHA loan. Choose from three initial paths to align with lenders and harmonious loan programs.
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