For 2026, in the county of Franklin in Frankfort, KY, the FHA loan limit is $472,030 for a single-family home. The limit is $604,400 for homes with two units, $730,525 for three units, and for four units, the limit rises to $907,900.
For conventional loans, the maximum loan cap for a single-family residence is $726,200. For 2-units, it increases to $929,850, while for 3-units, it is $1,123,900, and the cap for 4-units is $1,396,800.
Utilize our FHA calculator to find today’s best FHA rates and discover the necessary downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator facilitates comparison between FHA rates and terms and those of all other loan programs. Investigate options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in comparison to FHA.
Lendersa® accesses comprehensive loan program data from thousands of lenders and makes efficient comparisons to your unique financial needs and profile.
Explore the Loan Limits Comparison Table for 2026 within Frankfort, Franklin, KY to cross-examine FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For assessing qualification criteria like income, reserves, and credit, utilize 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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