In 2026, the FHA loan limits for Bardstown in the county of Nelson, KY, are set at $472,030 for single-family houses. The limit for properties with two units is $604,400; for three-unit dwellings, it is $730,525; and for those with four units, it is $907,900.
The maximum sums for conventional loans on single-family residences top out at $726,200. For duplexes, the limit is $929,850; for triplexes, it's $1,123,900; and for four-unit buildings, the ceiling is $1,396,800.
Utilize our FHA calculator to find the most competitive FHA rates available today and assess the requirements for down payment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator allows for comprehensive comparisons of FHA rates and terms alongside all other loan programs. Investigate and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in relation to FHA.
Lendersa® aggregates extensive loan program data from thousands of lenders, making rapid comparisons against your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Bardstown, within Nelson, KY, provides a clear view of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification criteria such as income, reserves, and credit.
| 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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