For 2026, the FHA loan cap in Nicholasville, part of Jessamine county, KY, is set at $472,030 for a single-family home. It increases to $604,400 for two-unit buildings, $730,525 for homes with three units, and for those with four units, the upper limit is $907,900.
The maximum amounts for conventional loans on a single-family residence are $726,200. For two-unit homes, it is $929,850, for three-unit homes, $1,123,900, and for four-unit residences, $1,396,800.
Use our FHA calculator to uncover today’s best FHA rates and understand the necessary down payment, income, creditworthiness, reserves, and documentation required for qualification.
Lendersa® offers a calculator that enables you to juxtapose FHA rates and terms with those from all other loan programs. Dive into exploring and comparing FHA with Conventional loans, Jumbo loans, VA, USDA, Non-QM, and also hard money loans.
Lendersa® quickly retrieves loan program data from thousands of lenders, efficiently comparing it to your personalized financial profile and requirements.
Find out about the Loan Limits Comparison Table for 2026 in Nicholasville, Jessamine, KY, which helps in comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further compare qualification criteria like 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 | $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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