As of 2026, in Lexington, located within Fayette, KY, the FHA loan ceiling reaches $472,030 for a single-family dwelling, $604,400 for duplexes, $730,525 for three-family homes, and $907,900 for four-family residences.
For conventional loans, the highest amount lendable for a single-family residence is $726,200, while for duplexes, it is $929,850, for triplexes, $1,123,900, and for quadplexes, $1,396,800.
Try out our FHA calculator to discover today's optimal FHA rates and understand the requirements for down payment, income, credit score, reserves, and necessary documentation.
The Lendersa® tool assists in comparing FHA rates and terms to those of a wide range of other loan programs. Investigate and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA offers.
Lendersa® collects loan program data from numerous lenders, allowing a rapid comparison based on your specific financial conditions and preferences.
In 2026, you can use our Loan Limits Comparison Table in Lexington, within Fayette, KY, to compare the max loan sizes for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed analysis of qualification requirements involving income, reserves, and credit, consider using 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 | $0 | $0 | $0 | $0 |
| 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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