In 2026, the FHA loan limits for Cumberland county in Harlan, KY are $472,030 for a single-family home. For 2-units, the limit is $604,400; for 3-units, it rises to $730,525; and for 4-units, it maxes out at $907,900.
The maximum conventional loan amounts for a single-family home reach $726,200. For 2-units, the cap is $929,850; for 3-units, it’s $1,123,900; and for 4-units, it’s $1,396,800.
Use our convenient FHA calculator to see the best FHA rates today and calculate the necessary downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Explore options like conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, side by side with FHA.
By sourcing data from thousands of lenders, Lendersa® quickly aligns that information with your personal financial profile.
Our Loan Limits Comparison Table for 2026 in Cumberland, within Harlan, KY, lets you assess maximum loan amounts across FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Evaluate qualifications such as income, reserves, and credit using 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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