In the year 2026, the FHA loan limit within Erlanger, located in Kenton county, KY, is established at $472,030 for a single-family home. For properties with two units, it is set at $604,400, for three-unit buildings, it reaches $730,525, and for four-unit homes, the limit is $907,900.
The maximum permitted amount for conventional loans on single-family residences is $726,200. For dwellings with two units, it's $929,850, for three units it is $1,123,900, and for four units, the cap is $1,396,800.
Use our FHA calculator to view today’s top FHA rates and figure out what down payment, income level, credit score, reserves, and necessary documents are needed for qualification.
The Lendersa® calculator offers you the opportunity to compare FHA rates and terms with those of other lending programs. Examine various options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® aggregates extensive data from thousands of lenders, enabling quick and efficient comparisons against your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Erlanger, within the county of Kenton, KY, provides a side-by-side comparison of loan maximums across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further analyze qualification criteria such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is available.
| 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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