In 2025, the FHA loan limits in the county of Springfield, located within Washington, KY, for a single-family home is established as $472,030. If your property consists of 2-units, the limit increases to $604,400. For properties with 3-units, the limit on lending reaches $730,525, and for 4-units, it goes up to the maximum of $907,900, allowing for diverse residential possibilities.
With conventional loans, the highest loan amount for a single-family residence is marked at $726,200. Homes featuring 2-units see the limit expanded to $929,850. For those comprising 3-units, it stands at $1,123,900, and for houses with 4-units, it is set at $1,396,800, thereby offering flexibility in financing options for different home configurations.
Use our FHA calculator to explore today’s advantageous FHA rates and to calculate essential requirements like downpayment, qualifying income, necessary credit assessments, reserve standards, and required documents to qualify successfully for a loan. This tool is critical in helping you understand financial necessities associated with obtaining an FHA loan.
The Lendersa® calculator empowers you to analyze and contrast FHA rates and terms with a large variety of other loan programs. Among the options you can delve into are conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, allowing you a comprehensive view alongside FHA to find the optimal loan strategy.
Borrowing insight from thousands of lenders, Lendersa® swiftly combines this data with your specific financial needs and profile to ensure highly accurate and personalized comparisons that streamline your decision-making process.
Explore our detailed Loan Limits Comparison Table for 2025 in Springfield, within Washington, KY, highlighting maximum loan amounts across numerous programs. This inclusive table covers FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for thorough examination of qualification parameters such as income standards, reserve necessity, and credit conditions, ensuring decisions are well-informed and tailored to your circumstances.
| 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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