In 2026, the FHA loan limits for a single-family home in Stanford county, part of Lincoln, KY, is $472,030. Limits for 2-units are $604,400, for 3-units $730,525, and for 4-units $907,900.
For conventional loans, the maximum for a single-family home is $726,200. It extends to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Utilize our FHA calculator for today’s optimal FHA rates plus downpayment, income, credit, reserves, and needed documents.
The Lendersa® calculator helps you compare FHA rates and terms with other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® sources data from thousands of lenders to match your financial profile quickly.
Our Loan Limits Comparison Table for 2026 in Stanford, Lincoln, KY, allows you to assess FHA, conventional, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loan limits. Evaluate requirements using Lendersa®'s 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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