As of 2026, the FHA loan limit in Harlan county of Harlan, KY, is $472,030 for a single-family home. Limits for two-unit homes are $604,400, for three units $730,525, and for four units $907,900.
The maximum for conventional loans on single-family homes is $726,200, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to access today’s best FHA rates, and determine the required downpayment, income, credit, reserves, and documentation for qualification.
The Lendersa® calculator enables comparisons between FHA rates & terms and other loan programs. Assess options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® swiftly compiles data from thousands of lenders and aligns it with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Harlan county, Harlan, KY, displays maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To compare qualifications involving income, reserves, and credit, use 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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