In the year 2026, the FHA loan limits for Crestwood county in Oldham, KY, are determined to be $472,030 for a single-family home. For properties with two housing units, the limit increases to $604,400, while for those with three units, it is capped at $730,525. Finally, for buildings with four units, the limit reaches $907,900.
Conventional loan maximums differ, with a limit of $726,200 for single-family residences, while 2-unit homes can reach $929,850. For properties containing 3-units, the maximum is $1,123,900, and for 4-units, it caps at $1,396,800.
Make use of our FHA calculator to find the best FHA rates available today. This tool will also help you evaluate the necessary down payment, income qualifications, credit requirements, reserve amounts, and documentation needed for eligibility.
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The Lendersa® calculator offers functionality to compare FHA rates and associated terms with those of other major loan programs. You are encouraged to explore and compare traditional loans, jumbo loans, VA, USDA, non-QM, and hard money loans against the FHA offerings.
Using data from thousands of lenders, Lendersa® quickly aligns loan program information with your personalized financial situation to offer rapid comparisons.
The Loan Limits Comparison Table for 2026 in Crestwood county, part of Oldham, KY, provides comparative details of FHA limits alongside those for conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan maximums. To scrutinize qualification criteria such as income, reserves, and credit, consider employing 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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