For 2026, the FHA loan limit in Independence, located within Kenton, KY, stands at $472,030 for a single-family home. For two-unit homes, it is $604,400, for three units, it's $730,525, and for residences with four units, the limit is $907,900.
The highest loan limits for conventional loans on a single-family residence are $726,200. For homes with two units, the cap is $929,850, for three-unit properties, the limit is $1,123,900, and for four-unit residences, it is $1,396,800.
Utilize our FHA calculator to discover today’s top FHA rates and determine what down payment, income, credit requirements, reserves, and necessary documents are essential for qualification.
The Lendersa® calculator provides insight into FHA rates and terms, allowing comparison with a variety of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates extensive loan program data from thousands of lenders, offering quick comparisons tailored to your individual financial needs and profile.
With the Loan Limits Comparison Table for 2026 in Independence, Kenton, KY, evaluate maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed look at qualification criteria such as income, reserves, and credit, utilize 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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