In 2026, the FHA loan limits in Morehead county of Rowan, KY, stand at $472,030 for single-family homes. For 2-units, the limit is $604,400, for 3-units, it's $730,525, and for 4-units, the cap is $907,900.
The maximum loan amount available for conventional loans on a single-family residence is $726,200. For two-unit homes, it is $929,850, for three-unit properties, $1,123,900, and for four-unit homes, the limit is $1,396,800.
Utilize our FHA calculator to see today’s top FHA rates and assess what downpayment, income, credit, reserves, and documents are needed to qualify.
The Lendersa® calculator lets you compare the rates and terms of FHA loans with those of other loan programs. Assess options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® gathers loan data from thousands of lenders and promptly aligns it with your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in the county of Rowan, Morehead, KY, compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine requirements 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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