As of 2026, the FHA loan limit in Monticello county of Wayne, KY, is $472,030 for a single-family home. For properties with two units, the limit increases to $604,400; it is $730,525 for three-unit homes, and for four-unit houses, it caps at $907,900.
The highest loan amount available for conventional loans on a single-family house is $726,200. For two units, it moves up to $929,850, for three-unit residences, the limit is $1,123,900, and for four-unit properties, it reaches $1,396,800.
Leverage our FHA calculator to explore today's leading FHA rates and calculate what down payment, income, credit history, reserves, and documents you will need to qualify.
The Lendersa® calculator lets you compare FHA rates alongside terms from various other loan programs. Examine and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA offers.
Lendersa® compiles a vast amount of loan program data from thousands of lenders and compares it efficiently with your particular financial profile and needs.
The 2026 Loan Limits Comparison Table for Monticello county in Wayne, KY, presents a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification requirements like income, reserves, and credit, utilize 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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