In 2025, the FHA loan limit for a single-family home in Manchester county of Clay, KY, is set at $472,030. Limits for 2-units are $604,400, for 3-units $730,525, and for 4-units $907,900.
For conventional loans, the maximum amount for a single-family residence reaches $726,200. If you have a 2-unit property, it goes up to $929,850, for 3-units it's $1,123,900, and 4-units have a limit of $1,396,800.
Use our FHA calculator to reveal today’s competitive FHA rates, and calculate requirements like downpayment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator provides a platform to compare FHA rates and terms alongside other loan programs. Delve into comparisons including conventional loans, jumbo, VA, USDA, non-QM, and hard money loans with FHA offerings.
Enjoy quick access to loan program information from thousands of lenders. Lendersa® matches this data swiftly to your unique financial profile.
View the Loan Limits Comparison Table for 2025 in Manchester, part of Clay, KY, to weigh maximum loan amounts for FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare criteria like income, reserves, and credit.
| 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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