In 2026, the FHA loan limit for Louisville in Jefferson County, KY, is $472,030 for single-family homes, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Maximum loan amounts for conventional loans on single-family dwellings are $726,200, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Our FHA calculator can help you find today’s top FHA rates and decide on the necessary downpayment, as well as assess income, credit, reserves, and document qualifications.
The Lendersa® calculator allows comparison of FHA loan rates and terms with other programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders and matches it quickly against your specific financial needs and profile.
The Loan Limits Comparison Table for 2026 for Louisville, within Jefferson County, KY, contrasts maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare qualifications like income, reserves, and credit, use 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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