In 2026, the FHA loan limit for a single-family dwelling in Prospect county, within Jefferson, KY, is set at $472,030. For homes with 2-units, it is $604,400, for 3-units, the limit is $730,525, and for 4-units, the maximum is $907,900.
For conventional loans, the highest amount for a single-family residence is $726,200. Properties with 2-units can go up to $929,850, 3-units have a cap at $1,123,900, and 4-units are limited to $1,396,800.
You can use our FHA calculator to find today’s best FHA rates and determine the necessary down payment, income, credit, reserves, and documents required to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Dive into comparisons of conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans alongside FHA.
Lendersa® aggregates loan program data from thousands of lenders, matching this information swiftly against your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in Prospect county, part of Jefferson, KY, enables you to compare maximum loan amounts for FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To assess qualifications like income, reserves, and credit, use 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 | $0 | $0 | $0 | $0 |
| 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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