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 →

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.

💬 Get Pre-Qualified

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

📋 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.

🏠 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.

▶ 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 →

Kentucky FHA Mortgage Loans and Kentucky Fannie Mae Mortgage Loan Limits in 2024

- December 24, 2023

2024 Kentucky conforming and FHA loan limits by county
County	FHFA limit	FHA limit
Adair	$766,550	$498,257
Allen	$766,550	$498,257
Anderson	$766,550	$498,257
Ballard	$766,550	$498,257
Barren	$766,550	$498,257
Bath	$766,550	$498,257
Bell	$766,550	$498,257
Boone	$766,550	$498,257
Bourbon	$766,550	$498,257
Boyd	$766,550	$498,257
Boyle	$766,550	$498,257
Bracken	$766,550	$498,257
Breathitt	$766,550	$498,257
Breckinridge	$766,550	$498,257
Bullitt	$766,550	$498,257
Butler	$766,550	$498,257
Caldwell	$766,550	$498,257
Calloway	$766,550	$498,257
Campbell	$766,550	$498,257
Carlisle	$766,550	$498,257
Carroll	$766,550	$498,257
Carter	$766,550	$498,257
Casey	$766,550	$498,257
Christian	$766,550	$498,257
Clark	$766,550	$498,257
Clay	$766,550	$498,257
Clinton	$766,550	$498,257
Crittenden	$766,550	$498,257
Cumberland	$766,550	$498,257
Daviess	$766,550	$498,257
Edmonson	$766,550	$498,257
Elliott	$766,550	$498,257
Estill	$766,550	$498,257
Fayette	$766,550	$498,257
Fleming	$766,550	$498,257
Floyd	$766,550	$498,257
Franklin	$766,550	$498,257
Fulton	$766,550	$498,257
Gallatin	$766,550	$498,257
Garrard	$766,550	$498,257
Grant	$766,550	$498,257
Graves	$766,550	$498,257
Grayson	$766,550	$498,257
Green	$766,550	$498,257
Greenup	$766,550	$498,257
Hancock	$766,550	$498,257
Hardin	$766,550	$498,257
Harlan	$766,550	$498,257
Harrison	$766,550	$498,257
Hart	$766,550	$498,257
Henderson	$766,550	$498,257
Henry	$766,550	$498,257
Hickman	$766,550	$498,257
Hopkins	$766,550	$498,257
Jackson	$766,550	$498,257
Jefferson	$766,550	$498,257
Jessamine	$766,550	$498,257
Johnson	$766,550	$498,257
Kenton	$766,550	$498,257
Knott	$766,550	$498,257
Knox	$766,550	$498,257
Larue	$766,550	$498,257
Laurel	$766,550	$498,257
Lawrence	$766,550	$498,257
Lee	$766,550	$498,257
Leslie	$766,550	$498,257
Letcher	$766,550	$498,257
Lewis	$766,550	$498,257
Lincoln	$766,550	$498,257
Livingston	$766,550	$498,257
Logan	$766,550	$498,257
Lyon	$766,550	$498,257
Mccracken	$766,550	$498,257
Mccreary	$766,550	$498,257
Mclean	$766,550	$498,257
Madison	$766,550	$498,257
Magoffin	$766,550	$498,257
Marion	$766,550	$498,257
Marshall	$766,550	$498,257
Martin	$766,550	$498,257
Mason	$766,550	$498,257
Meade	$766,550	$498,257
Menifee	$766,550	$498,257
Mercer	$766,550	$498,257
Metcalfe	$766,550	$498,257
Monroe	$766,550	$498,257
Montgomery	$766,550	$498,257
Morgan	$766,550	$498,257
Muhlenberg	$766,550	$498,257
Nelson	$766,550	$498,257
Nicholas	$766,550	$498,257
Ohio	$766,550	$498,257
Oldham	$766,550	$498,257
Owen	$766,550	$498,257
Owsley	$766,550	$498,257
Pendleton	$766,550	$498,257
Perry	$766,550	$498,257
Pike	$766,550	$498,257
Powell	$766,550	$498,257
Pulaski	$766,550	$498,257
Robertson	$766,550	$498,257
Rockcastle	$766,550	$498,257
Rowan	$766,550	$498,257
Russell	$766,550	$498,257
Scott	$766,550	$498,257
Shelby	$766,550	$498,257
Simpson	$766,550	$498,257
Spencer	$766,550	$498,257
Taylor	$766,550	$498,257
Todd	$766,550	$498,257
Trigg	$766,550	$498,257
Trimble	$766,550	$498,257
Union	$766,550	$498,257
Warren	$766,550	$498,257
Washington	$766,550	$498,257
Wayne	$766,550	$498,257
Webster	$766,550	$498,257
Whitley	$766,550	$498,257
Wolfe	$766,550	$498,257
Woodford	$766,550	$498,257

Joel Lobb Mortgage Loan Officer

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