For 2026, in Berea located in Madison County, KY, the FHA loan limits are as follows: $472,030 for a single-family home, $604,400 for properties with 2-units, $730,525 for 3-units, and $907,900 for 4-units.
The conventional loan caps are $726,200 for a single-family residence, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit residences.
Utilize our FHA calculator to uncover today’s best rates and determine the required downpayment, along with assessing income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator gives you the ability to compare FHA rates and terms with other available loan programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers loan program data from thousands of lenders and adapts it to your financial profile in seconds for tailored comparisons.
Loan Limits Comparison Table for 2026 in Berea, Madison County, KY, allows for comparing maximum loan amounts across a variety of programs such as FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed review of qualification criteria including income, reserves, and credit, use 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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