For the year 2025, the FHA loan limit for a single-family home in the county of Columbia, located within Adair, KY, is set at $472,030. For properties consisting of 2-units, the limit is set at $604,400; for 3-unit homes, it increases to $730,525; and for those with 4-units, the limit is $907,900.
In contrast, the maximum loan amount for traditional conventional loans on a single-family property is $726,200. For properties housing two families, the maximum reaches $929,850. Similarly, for residences with three units, the limit climbs to $1,123,900, and for those with four units, it is capped at $1,396,800.
Utilize our FHA calculator to discover the most favorable FHA rates currently available. This tool also guides you through calculating essential details like required down payment, qualifying income, credit expectations, necessary reserves, and the documentation you must prepare to apply.
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The Lendersa® calculator empowers you to align FHA rates and terms against those of a diverse range of other loan programs. Delve into these comparisons, evaluating conventional loans, jumbo loans, VA, USDA, non-QM, and even hard money loans alongside FHA.
Lendersa® efficiently sources comprehensive loan program data from countless lenders and rapidly aligns that information with your distinct financial situation and needs, providing you with tailored and relevant options in a matter of seconds.
The Loan Limits Comparison Table for 2025 in Columbia, situated in Adair, KY, facilitates a thorough side-by-side view of maximum loan amounts across diverse options, including FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To assess qualification criteria such as income, available reserves, and credit scores, consider implementing 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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