In 2026, the FHA loan limit for Henderson, situated in Henderson county, KY, is set at $472,030 for a single-family home. For properties with two units, the limit is $604,400; for 3-unit dwellings, it's $730,525; and for four units, the cap is $907,900.
The maximum available amount for conventional loans on a single-family residence is $726,200. For a two-unit home, the limit is $929,850; for three units, it is $1,123,900; and for a structure with four units, the limit is $1,396,800.
Utilize our FHA calculator to view today’s optimal FHA rates and assess the required down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs. Delve into a comparison between FHA and Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles comprehensive loan program data from thousands of lenders, offering rapid comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Henderson, Henderson, KY lets you contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For examining qualification criteria, such as income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is highly effective.
| 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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