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Showing posts with the label 2025 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans
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 →

VA Residual Income Chart 2026: Requirements by Family Size

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Louisville Kentucky VA Residual Income Guidelines Residual Income VA residual income is one of the major underwriting guidelines required to qualify for a Louisville Ky VA mortgage. Residual income is calculated by determining the gross monthly income of the veteran and spouse. Then, ... deduct from that total gross monthly income the following monthly expenses: 0 State Taxes Social Security Federal Taxes Proposed new monthly house payment (PITI: principle, interest, taxes and insurance) Estimated Maintenance and Utilities Monthly Child Care Expense Alimony or Child Support Monthly consumer debt payments: installment and revolving credit cards The balance remaining is "residual income" and will determine whether the borrower qualifies based on the table below. Louisville Ky VA's minimum residual incomes (balance available for family support) are a guide. They should not automatically trigger approval or rejection of a loan. Inst...
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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
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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 Home Loan Comparison Guide — FHA, VA, USDA, and Conventional Loans Explained

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If you are a first-time homebuyer in Kentucky, it's essential to have current information about loan programs. The same applies if you plan to refinance this year. The details in your mortgage quote can significantly impact your monthly payment. They can also affect your long-term costs. This is especially true since loan program fees and guidelines change annually. We’ve updated our Kentucky Loan Comparison Chart . It reflects the latest program updates from FHA, VA, USDA, and Fannie Mae Conventional loans. This quick visual guide helps Kentucky buyers easily compare down payment requirements, credit score guidelines, and monthly fees. This comparison makes it easier to choose the mortgage that fits your budget and goals.  FHA Loan Updates  Old FHA MIP: 0.85% New FHA MIP: 0.55% FHA Mortgage Insurance Premium (MIP) has been reduced from 0.85% to 0.55%. That’s a major savings for buyers using low-down-payment FHA financing. This change can lower...
Location: 10602 Timberwood Cir STE 3, Louisville, KY 40223, USA
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Kentucky Homebuyers in 2025: Increased Loan Limits for Conventional and FHA Mortgages

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New 2025 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans The Federal Housing Finance Agency (FHFA ) has announced increased loan limits for 2025, providing more opportunities for homebuyers in Kentucky. These higher limits apply to both conventional loans acquired by Kentucky Fannie Mae and Freddie Mac, Fannie Mae and Freddie Mac, as well as Kentucky FHA loans , making homeownership more accessible—especially for first-time homebuyers. Starting January 1, 2025, the FHFA maximum conforming loan limit for a single-unit property will increase to $806,500, reflecting a 5.21% increase from 2024. This adjustment allows Kentucky homebuyers to borrow more under the conforming loan limit without moving into jumbo loan territory. Simultaneously, the Federal Housing Administration (FHA) has also raised its loan limits, providing even more options for those seeking low down payment mortgage solutions. Property Type Conventional Loan Limit (FHFA) FHA Loan Limit 1-Unit $806,50...
Location: 10602 Timberwood Cir STE 3, Louisville, KY 40223, USA
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