For 2026, the FHA loan limit in Paducah, in the county of McCracken, KY, is set at $472,030 for a single-family home. It is $604,400 for a structure with 2-units, $730,525 for 3-units, and for homes with 4-units, the limit is $907,900.
The maximum conventional loan amount available for a single-family dwelling is $726,200. For properties with two units, it's capped at $929,850, for a triplex, the limit is $1,123,900, and it's $1,396,800 for 4-unit residences.
Make use of our FHA calculator to access today's top FHA rates and to understand the requirements for down payment, income, credit status, reserves, and necessary documentation to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of various other loan programs. Explore and examine options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® accesses extensive loan program data from thousands of lenders, enabling rapid comparisons tailored to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Paducah, within the county of McCracken, KY, provides a comparison of maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For deeper insights into 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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