For the year 2026, the FHA loan limit in the county of Scott, KY, specifically in Georgetown, is defined as $472,030 for a single-family house. For properties with two units, the limit is $604,400, while for three-unit dwellings, it is set at $730,525, and for four units, the cap reaches $907,900.
When it comes to conventional loans, the maximum amount available for a single-family residence is $726,200. For duplexes, the limit increases to $929,850, for triplexes it is $1,123,900, and for four-unit buildings, the ceiling is $1,396,800.
Our FHA calculator is a valuable tool for accessing today’s top FHA rates and understanding the requirements in terms of downpayment, income levels, credit scores, reserves, and needed documentation for qualification.
Lendersa® provides a powerful calculator that allows you to directly compare the rates and terms of FHA loans with those of various other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering comprehensive data from thousands of lenders, Lendersa® can quickly match this information against your specific financial needs and profile to deliver a fitting comparison.
The Loan Limits Comparison Table for 2026 in Georgetown, located in Scott, KY, allows for comprehensive analysis across different loan types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed insights into qualification requirements such as income levels, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an excellent resource.
| 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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