Every Kentucky Loan Type. One Local Expert.
Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →

Kentucky Homebuyers in 2026: Increased Loan Limits for Conventional and FHA Mortgages

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The Federal Housing Finance Agency (FHFA) has announced higher conforming loan limits for 2026, and the news is good for Kentucky homebuyers: the baseline conventional loan limit jumps to $832,750 for a single-family home — an increase of $26,250 (3.26%) over the 2025 limit of $806,500. FHA loan limits are rising right along with it, with the new FHA floor set at $541,287 for every county in Kentucky. Since no Kentucky county is designated a high-cost area, these baseline limits apply statewide — from Louisville and Lexington to every rural county in between. That means more borrowing power for Kentucky buyers without crossing into jumbo loan territory. New 2026 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans Property Type Conventional Loan Limit (FHFA) FHA Loan Limit 1-Unit $832,750 $541,287 2-Unit $1,066,250 $693,050 3-Unit $1,288,800 $837,700 4-Unit $1,601,750 $1,041,125 Source: FHFA conforming loan limit announcement for 2026 and HUD FHA loan limits...
Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
01

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

02

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

03

🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
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▶ More videos on my YouTube channel →
Joel Lobb and family - Kentucky mortgage loan officer
Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

CARES Act Mortgage Forbearance: What You Need to Know— consumerfinance.gov

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