For the year 2025, the FHA loan limit in Richmond, which is part of Madison county, KY, is set at $472,030 for a single-family residence. It rises to $604,400 for homes with two units, $730,525 for those with three units, and caps at $907,900 for four-unit properties.
The ceiling for conventional loan amounts on a single-family home is $726,200. For two-unit homes, the limit extends to $929,850, while for properties with three units, it is $1,123,900, and for those with four units, the maximum is $1,396,800.
Utilize our FHA calculator to check today's leading FHA rates, and to assess necessary qualifications like down payment, income, credit score, reserves, and the required documents.
The Lendersa® tool provides a platform to contrast FHA rates and terms with a variety of other loan programs. Dive into comparisons between FHA and Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers comprehensive loan program data from numerous lenders, furnishing rapid comparisons tailored to your personal financial profile and needs.
The Loan Limits Comparison Table for 2025, available in Richmond within Madison, KY, details maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To scrutinize criteria like income, reserves, and credit, leverage 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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