For 2026, the FHA loan limits for Franklin county, located in Simpson, KY are as follows: $472,030 for a single-family home, $604,400 for homes with 2 units, $730,525 for 3-unit properties, and $907,900 for those with 4 units.
The ceiling for conventional loans on a single-family residence is $726,200, increasing to $929,850 for 2-unit homes. For those with 3 units, the limit is $1,123,900, and it extends to $1,396,800 for 4-unit properties.
Our FHA calculator is a powerful tool to find today's best FHA rates and assess necessary qualifications like downpayment, income levels, credit score, reserves, and the documentation required to qualify.
With the Lendersa® calculator, you can compare FHA rates and terms with those of various other loan programs. Explore and examine options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans side by side with FHA.
Lendersa® collects comprehensive loan program data from thousands of lenders and promptly matches it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Franklin county, part of Simpson, KY, enables you to compare maximum allowable loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For analyzing qualification requirements like income, reserves, and credit, make use of 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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