Saturday, November 12, 2011

Louisvile Kentucky Fannie Mae and Freddie Mac Maximum Loan Limits for Loans Originated in 2011

Louisvile Kentucky Fannie Mae and Freddie Mac Maximum Loan Limits for Loans Originated in 2011


These limits were determined under Public Law Number 111-242, which sets maximum loan limits equal to the higher of the maximum limits determined under the Economic Stimulus Act of 2008 and the Housing and Economic Recovery Act of 2008."


 Number State One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit





21 001 ADAIR 99999 KY $417,000 $533,850 $645,300 $801,950


21 003 ALLEN 99999 KY $417,000 $533,850 $645,300 $801,950

21 005 ANDERSON 23180 KY $417,000 $533,850 $645,300 $801,950

21 007 BALLARD 37140 KY $417,000 $533,850 $645,300 $801,950

21 009 BARREN 23980 KY $417,000 $533,850 $645,300 $801,950

21 011 BATH 34460 KY $417,000 $533,850 $645,300 $801,950

21 013 BELL 33180 KY $417,000 $533,850 $645,300 $801,950

21 015 BOONE 17140 KY $417,000 $533,850 $645,300 $801,950

21 017 BOURBON 30460 KY $417,000 $533,850 $645,300 $801,950

21 019 BOYD 26580 KY $417,000 $533,850 $645,300 $801,950

21 021 BOYLE 19220 KY $417,000 $533,850 $645,300 $801,950

21 023 BRACKEN 17140 KY $417,000 $533,850 $645,300 $801,950

21 025 BREATHITT 99999 KY $417,000 $533,850 $645,300 $801,950

21 027 BRECKINRIDGE 99999 KY $417,000 $533,850 $645,300 $801,950

21 029 BULLITT 31140 KY $417,000 $533,850 $645,300 $801,950

21 031 BUTLER 99999 KY $417,000 $533,850 $645,300 $801,950

21 033 CALDWELL 99999 KY $417,000 $533,850 $645,300 $801,950

21 035 CALLOWAY 34660 KY $417,000 $533,850 $645,300 $801,950

21 037 CAMPBELL 17140 KY $417,000 $533,850 $645,300 $801,950

21 039 CARLISLE 99999 KY $417,000 $533,850 $645,300 $801,950

21 041 CARROLL 99999 KY $417,000 $533,850 $645,300 $801,950

21 043 CARTER 99999 KY $417,000 $533,850 $645,300 $801,950

21 045 CASEY 99999 KY $417,000 $533,850 $645,300 $801,950

21 047 CHRISTIAN 17300 KY $417,000 $533,850 $645,300 $801,950

21 049 CLARK 30460 KY $417,000 $533,850 $645,300 $801,950

21 051 CLAY 99999 KY $417,000 $533,850 $645,300 $801,950

21 053 CLINTON 99999 KY $417,000 $533,850 $645,300 $801,950

21 055 CRITTENDEN 99999 KY $417,000 $533,850 $645,300 $801,950

21 057 CUMBERLAND 99999 KY $417,000 $533,850 $645,300 $801,950

21 059 DAVIESS 36980 KY $417,000 $533,850 $645,300 $801,950

21 061 EDMONSON 14540 KY $417,000 $533,850 $645,300 $801,950

21 063 ELLIOTT 99999 KY $417,000 $533,850 $645,300 $801,950

21 065 ESTILL 99999 KY $417,000 $533,850 $645,300 $801,950

21 067 FAYETTE 30460 KY $417,000 $533,850 $645,300 $801,950

21 069 FLEMING 99999 KY $417,000 $533,850 $645,300 $801,950

21 071 FLOYD 99999 KY $417,000 $533,850 $645,300 $801,950

21 073 FRANKLIN 23180 KY $417,000 $533,850 $645,300 $801,950

21 075 FULTON 46460 KY $417,000 $533,850 $645,300 $801,950

21 077 GALLATIN 17140 KY $417,000 $533,850 $645,300 $801,950

21 079 GARRARD 99999 KY $417,000 $533,850 $645,300 $801,950

21 081 GRANT 17140 KY $417,000 $533,850 $645,300 $801,950

21 083 GRAVES 32460 KY $417,000 $533,850 $645,300 $801,950

21 085 GRAYSON 99999 KY $417,000 $533,850 $645,300 $801,950

21 087 GREEN 99999 KY $417,000 $533,850 $645,300 $801,950

21 089 GREENUP 26580 KY $417,000 $533,850 $645,300 $801,950

21 091 HANCOCK 36980 KY $417,000 $533,850 $645,300 $801,950

21 093 HARDIN 21060 KY $417,000 $533,850 $645,300 $801,950

21 095 HARLAN 99999 KY $417,000 $533,850 $645,300 $801,950

21 097 HARRISON 99999 KY $417,000 $533,850 $645,300 $801,950

21 099 HART 99999 KY $417,000 $533,850 $645,300 $801,950

21 101 HENDERSON 21780 KY $417,000 $533,850 $645,300 $801,950

21 103 HENRY 31140 KY $417,000 $533,850 $645,300 $801,950

21 105 HICKMAN 99999 KY $417,000 $533,850 $645,300 $801,950

21 107 HOPKINS 31580 KY $417,000 $533,850 $645,300 $801,950

21 109 JACKSON 99999 KY $417,000 $533,850 $645,300 $801,950

21 111 JEFFERSON 31140 KY $417,000 $533,850 $645,300 $801,950

21 113 JESSAMINE 30460 KY $417,000 $533,850 $645,300 $801,950

21 115 JOHNSON 99999 KY $417,000 $533,850 $645,300 $801,950

21 117 KENTON 17140 KY $417,000 $533,850 $645,300 $801,950

21 119 KNOTT 99999 KY $417,000 $533,850 $645,300 $801,950

21 121 KNOX 99999 KY $417,000 $533,850 $645,300 $801,950

21 123 LARUE 21060 KY $417,000 $533,850 $645,300 $801,950

21 125 LAUREL 30940 KY $417,000 $533,850 $645,300 $801,950

21 127 LAWRENCE 99999 KY $417,000 $533,850 $645,300 $801,950

21 129 LEE 99999 KY $417,000 $533,850 $645,300 $801,950

21 131 LESLIE 99999 KY $417,000 $533,850 $645,300 $801,950

21 133 LETCHER 99999 KY $417,000 $533,850 $645,300 $801,950

21 135 LEWIS 32500 KY $417,000 $533,850 $645,300 $801,950

21 137 LINCOLN 19220 KY $417,000 $533,850 $645,300 $801,950

21 139 LIVINGSTON 37140 KY $417,000 $533,850 $645,300 $801,950

21 141 LOGAN 99999 KY $417,000 $533,850 $645,300 $801,950

21 143 LYON 99999 KY $417,000 $533,850 $645,300 $801,950

21 145 MCCRACKEN 37140 KY $417,000 $533,850 $645,300 $801,950

21 147 MCCREARY 99999 KY $417,000 $533,850 $645,300 $801,950

21 149 MCLEAN 36980 KY $417,000 $533,850 $645,300 $801,950

21 151 MADISON 40080 KY $417,000 $533,850 $645,300 $801,950

21 153 MAGOFFIN 99999 KY $417,000 $533,850 $645,300 $801,950

21 155 MARION 99999 KY $417,000 $533,850 $645,300 $801,950

21 157 MARSHALL 99999 KY $417,000 $533,850 $645,300 $801,950

21 159 MARTIN 99999 KY $417,000 $533,850 $645,300 $801,950

21 161 MASON 32500 KY $417,000 $533,850 $645,300 $801,950

21 163 MEADE 31140 KY $417,000 $533,850 $645,300 $801,950

21 165 MENIFEE 34460 KY $417,000 $533,850 $645,300 $801,950

21 167 MERCER 99999 KY $417,000 $533,850 $645,300 $801,950

21 169 METCALFE 23980 KY $417,000 $533,850 $645,300 $801,950

21 171 MONROE 99999 KY $417,000 $533,850 $645,300 $801,950

21 173 MONTGOMERY 34460 KY $417,000 $533,850 $645,300 $801,950

21 175 MORGAN 99999 KY $417,000 $533,850 $645,300 $801,950

21 177 MUHLENBERG 16420 KY $417,000 $533,850 $645,300 $801,950

21 179 NELSON 31140 KY $417,000 $533,850 $645,300 $801,950

21 181 NICHOLAS 99999 KY $417,000 $533,850 $645,300 $801,950

21 183 OHIO 99999 KY $417,000 $533,850 $645,300 $801,950

21 185 OLDHAM 31140 KY $417,000 $533,850 $645,300 $801,950

21 187 OWEN 99999 KY $417,000 $533,850 $645,300 $801,950

21 189 OWSLEY 99999 KY $417,000 $533,850 $645,300 $801,950

21 191 PENDLETON 17140 KY $417,000 $533,850 $645,300 $801,950

21 193 PERRY 99999 KY $417,000 $533,850 $645,300 $801,950

21 195 PIKE 99999 KY $417,000 $533,850 $645,300 $801,950

21 197 POWELL 99999 KY $417,000 $533,850 $645,300 $801,950

21 199 PULASKI 43700 KY $417,000 $533,850 $645,300 $801,950

21 201 ROBERTSON 99999 KY $417,000 $533,850 $645,300 $801,950

21 203 ROCKCASTLE 40080 KY $417,000 $533,850 $645,300 $801,950

21 205 ROWAN 99999 KY $417,000 $533,850 $645,300 $801,950

21 207 RUSSELL 99999 KY $417,000 $533,850 $645,300 $801,950

21 209 SCOTT 30460 KY $417,000 $533,850 $645,300 $801,950

21 211 SHELBY 31140 KY $417,000 $533,850 $645,300 $801,950

21 213 SIMPSON 99999 KY $417,000 $533,850 $645,300 $801,950

21 215 SPENCER 31140 KY $417,000 $533,850 $645,300 $801,950

21 217 TAYLOR 15820 KY $417,000 $533,850 $645,300 $801,950

21 219 TODD 99999 KY $417,000 $533,850 $645,300 $801,950

21 221 TRIGG 17300 KY $417,000 $533,850 $645,300 $801,950

21 223 TRIMBLE 31140 KY $417,000 $533,850 $645,300 $801,950

21 225 UNION 99999 KY $417,000 $533,850 $645,300 $801,950

21 227 WARREN 14540 KY $417,000 $533,850 $645,300 $801,950

21 229 WASHINGTON 99999 KY $417,000 $533,850 $645,300 $801,950

21 231 WAYNE 99999 KY $417,000 $533,850 $645,300 $801,950

21 233 WEBSTER 21780 KY $417,000 $533,850 $645,300 $801,950

21 235 WHITLEY 18340 KY $417,000 $533,850 $645,300 $801,950

21 237 WOLFE 99999 KY $417,000 $533,850 $645,300 $801,950

21 239 WOODFORD 30460 KY $417,000 $533,850 $645,300 $801,950

2011 Loan Limits








High-Balance Loan Feature – Permanent Loan Limits are effective as of October 1, 2011

The high-cost area (HCA) loan limits for loans originated on or after October 1, 2011, are now subject to the "permanent" high-cost area loan limits, as determined by the Housing and Economic Recovery Act of 2008. FHFA has published the HCA loan limits on its Web site and below, Fannie Mae has provided tools and resources for determining applicable loan limits.



First Mortgage Conforming Loan Limits for Louisville Kentucky

The Federal Housing Finance Agency (FHFA) publishes the conforming loan limits annually that apply to all conventional mortgages that are delivered to Fannie Mae, including both the general loan limits and the high-cost area loan limits. High-cost area loan limits vary by geographic location.


General Loan Limits for 2011

The general loan limits for 2011 remain unchanged from 2010 (e.g., $417,000 for a 1-unit property in the continental U.S.).


Maximum Original Principal Balance for 2011

Units Contiguous States, District of Columbia, and Puerto Rico Alaska, Guam, Hawaii, and the U.S. Virgin Islands

1 $417,000 $625,500

2 $533,850 $800,775

3 $645,300 $967,950

4 $801,950 $1,202,925





High-Cost Area Loan Limits for Q4 2011

Loans originated on or after October 1, 2011, will use the "permanent" high-cost area loan limits established by FHFA under a formula of 115% of the 2010 median home price, up to a maximum of $625,500 for a 1-unit property in the continental U.S.. Note that the loan limits apply based on the original loan amount, rather than the unpaid principal balance (UPB).



Note that the loan limits apply based on the original loan amount, rather than the unpaid principal balance (UPB).


Maximum Loan Limits for HCAs for Mortgages Acquired in Calendar Year 2011 and Originated after 9/30/2011 or Prior to 7/1/2007*

Units Contiguous States, District of Columbia, and Puerto Rico Alaska, Guam, Hawaii, and the U.S. Virgin Islands

1 $625,500 $938,250

2 $800,775 $1,201,150

3 $967,950 $1,451,925

4 $1,202,925 $1,804,375

*These limits were determined under the provisions of the Housing and Economic Recovery Act of 2008.



Note that the loan limits apply based on the original loan amount, rather than



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