In the year 2025, the FHA loan limit for a single-family home in Covington, located within Kenton county, KY, is $472,030. For a property with 2-units, it's $604,400; for a 3-unit building, it's $730,525; and for 4-units, the limit is $907,900.
The maximum allowable amount for conventional loans on a single-family residence is $726,200. This expands to $929,850 for 2-units, $1,123,900 for 3-units, and caps at $1,396,800 for 4-units.
Leverage our FHA calculator to explore today's top FHA rates and to determine what down payment, income, credit, reserves, and documents are necessary to qualify.
The Lendersa® calculator allows you to thoroughly compare FHA rates and terms against all other loan programs. Dig deeper into options involving Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles extensive loan program data from a multitude of lenders, delivering comparisons that align with your specific financial profile and requirements within seconds.
For 2025 in Covington, within the county of Kenton, KY, the Loan Limits Comparison Table enables you to examine FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximum amounts. For more insights on qualification criteria like income, reserves, and credit, engage with 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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