For 2026, the FHA loan limit in Shelbyville, which is part of Shelby county, KY, is established at $472,030 for a single-family dwelling. It is $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit homes.
The conventional loan limit for a single-family residence is capped at $726,200. For two-family units, it becomes $929,850, for three units it rises to $1,123,900, and for residences comprising four units, the maximum reaches $1,396,800.
Our FHA calculator can help you identify today’s top FHA rates, allowing you to calculate the necessary downpayment, income, credit score, reserves, and essential documentation for qualification purposes.
With Lendersa® calculator, you can contrast FHA rates and terms against those of various other loan products. Delve into an analysis of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA offerings.
Lendersa® retrieves extensive loan program data from thousands of lenders, rapidly aligning it with your specific financial profile and needs.
In 2026, utilizing the Loan Limits Comparison Table for Shelbyville, within Shelby, KY, brings clarity to comparing maximum loan amounts between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for insights on qualification criteria like income, reserves, and credit.
| 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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