For 2026, the FHA loan limit in the county of Boyd, KY, specifically within Ashland, stands at $472,030 for a single-family home. It extends to $604,400 for duplexes, $730,525 for triplex residences, and finally, $907,900 for properties with four units.
Conventional loan limits for a single-family dwelling have a maximum of $726,200. For two-unit homes, this increases to $929,850, for three-unit dwellings, it is $1,123,900, and for four-unit buildings, the cap is $1,396,800.
Our FHA calculator offers insights into today’s leading FHA rates and can help determine the necessary down payment, income, credit score, reserves, and documentation needed for qualification.
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Lendersa® provides a calculator enabling comparisons between FHA rates and numerous other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore each option in relation to FHA to find the best fit.
Lendersa® sources extensive loan program data from thousands of lenders and quickly matches it to your unique financial profile for efficient comparison.
The Loan Limits Comparison Table for 2026 in Ashland, Boyd, KY, allows analysis of maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a deeper examination of qualification needs such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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