In the year 2026, the FHA loan limits in Middletown county of Jefferson, KY, are set at $472,030 for a single-family home. For two-unit properties, it’s $604,400; for three-unit homes, the limit is $730,525; and for four-unit residences, the cap is $907,900.
For conventional loans, the maximum amount available on a single-family residence is $726,200. It increases to $929,850 for properties with two units, $1,123,900 for those with three units, and maxes out at $1,396,800 for four-unit buildings.
Use our FHA calculator to check out today’s top FHA rates and assess what is needed in terms of down payment, income, credit score, reserves, and documentation to meet qualification criteria.
With Lendersa® calculator, you can compare the rates and terms of FHA loans with various other loan programs. Explore and contrast options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® efficiently aggregates loan program data from thousands of lenders, and compares it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Middletown county, Jefferson, KY, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs 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 | $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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