In 2026, the FHA loan cap in Harrodsburg county within Mercer, KY, is $472,030 for a single-family home. Limits are $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum for a single-family home is $726,200. For two units, it's $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Utilize our FHA calculator to view today’s top FHA rates and evaluate the necessary down payment, income, credit, reserves, and required documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those of other loans. Explore and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles data from thousands of lenders to match it swiftly to your unique financial profile.
The Loan Limits Comparison Table for 2026 in Harrodsburg county, Mercer, KY, covers maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualifications like 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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