2025 FHA (Government Loans) Limits for Owensboro, Daviess County, Kentucky

For 2025, in Owensboro, within Daviess, KY, the FHA loan limit is $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.

The highest available loan for conventional loans on a single-family residence is $726,200. For residences with two units, you can borrow up to $929,850, $1,123,900 if it has three units, and $1,396,800 for four units.

Utilize our FHA calculator to explore today’s best FHA rates and determine what down payment, income level, credit rating, reserves, and documents are required to qualify.

Find offers from 100 different lenders

Explore your loan possibilities in Owensboro, KY

The Lendersa® calculator offers a comparison of FHA loan rates and terms with those of other programs. Examine and compare between FHA and other loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.

With data from thousands of lenders, Lendersa® swiftly compares options against your financial needs and profile.

Using the Loan Limits Comparison Table for 2025 in Owensboro, Daviess, KY, compare the maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For more on qualification criteria such as income, reserves, and credit, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Owensboro county of Daviess, KY

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


  • LIGHTHOUSE MORTGAGE LLC
  • 9204 Taylorsville Rd, Suite 214, Louisville, KY, 40299
  • We are Brokers. Not married to 1 specific bank or product line. We work with wholesale lenders nationwide. The general public doesn't have access to these lenders. You must be a wholesale broker. Lucky for you, we are. We consistently get clients the best mortgages available. We are committed to making getting a mortgage easy.
  • Robinson Mortgage Group LLC
  • 1500 Envoy Circle, Suite 1508, Louisville, KY, 40299
  • Robinson Mortgage Group's Mission is to provide residential mortgage services in Kentucky with openness, reliability, and resourcefulness. As a professional agency, Robinson Mortgage Group strives to know more about our vocation than the competition, while educating and enriching others.
  • Metro Mortgage Lending, Inc
  • 2305 Hurstbourne Village Dr, Suite 100, Louisville, KY, 40299
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Countryside Mortgage
  • 11420 Bluegrass Pkwy, Louisville, KY, 40299
  • Countryside Mortgage is locally owned and operated in Louisville, KY. I, David Zuhars, have over 21 years of personal lending experience. It was my vision in creating this company to separate ourselves from our competitors in pricing, knowledge and availability of products, and customer service. We believe we have the best pricing
  • United Mortgage Lending Corp
  • 9850 Von Allmen Court, Suite 201, Louisville, KY, 40241
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • MILESTONE LENDING
  • 9850 Von Allmen Ct, Suite 201, Louisville, KY, 40241
  • Purchasing a home is one of the biggest financial decisions an individual or a family will ever make. Homeownership is often thought to be an essential ingredient of the “American Dream". At Milestone Lending we believe that homeownership is a commitment to strengthening families, communities, and promoting good citizenship.
  • Pathway Mortgage LLC
  • 10351 Linn Station Rd, Louisville, KY, 40223
  • Pathway Mortgage LLC works diligently to provide a concierge experience to our clients. Pathway is also dedicated to making sure our clients always receive the most current and accurate advice by hiring most talented and motivated mortgage loan officers in the business that Pathway Mortgage LLC strives to make you a client for life.
  • Mortgage Network
  • 10529A Timberwood Circle, Louisville, KY, 40223
  • Mortgage Network, Louisville, Kentucky's locally owned, full service mortgage broker specializes in all varieties of residential mortgages. First mortgages, refinancing or relocation, let Mortgage Network show you that Our Prime Interest is You! Louisville Mortgage Mortgage Network is Louisville’s mortgage leader
  • 1st Class Mortgage Group LLC
  • 9900 Corporate Campus Drive, Suite 3000, Louisville, KY, 40223
  • Since our inception, we have acted as key advisors in securing funds for purchasers, investors, and homeowners in the residential markets. We recognize that in the marketplace there is a need for a holistic approach to an individual's needs. With this in mind our goal is to simplify the financing process by delivering a tailored,
  • TBF Mortgage Corporation
  • 13000 Equity Place, Suite 203, Louisville, KY, 40223
  • TBF started its roots with family. Our number one goal at TBF Mortgage is to help families with one of the most important financial decisions that they will have to face. TBF Mortgage and our team of Loan Officers are here to help you make informed decisions that work for you and to simplify the loan process. We will walk you through each phase.
  • Statewide Mortgage
  • 10140 Linn Station Rd, Louisville, KY, 40223
  • Statewide Mortgage was created to help you achieve your dream of home ownership. You will find that our passion combined with experience will make your usually stressful loan process, quick, transparent and even exciting. Our goal is to build a personal relationship with you so that we can help you in the best way possible.