Advertiser Disclosure

Mortgage

2019 FHA Loan Limits in Tennessee

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

If you want to buy a home in Tennessee, you may be wondering how you’re going to finance it. If conventional loans seem out of reach, it’s worth considering a mortgage backed by the Federal Housing Administration, or FHA. FHA loans have low credit score and down payment requirements, and they often allow a higher debt-to-income ratio than conventional loans, making them attractive to buyers who don’t qualify for conventional mortgages.

See Mortgage Rate Quotes for Your Home

See RatesSee RatesSee RatesTerms Apply. NMLS ID# 1136

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

FHA loans are growing in popularity with Tennessee residents. Between 2014 and 2015 (the latest data available), the share of Tennessee homebuyers taking out FHA loans increased 4 percentage points. They accounted for a quarter of all mortgage loans in the state in 2015. In 2018, 2.68% of all FHA loans in the country were made to Tennessee residents, up from 2.49% the year prior.

If you go for an FHA loan, keep in mind that these mortgages are subject to limits on the amount you can borrow. Those limits adjust every year to reflect home price changes, and there are limits for low-cost areas and high-cost areas, with some counties subject to limits in between.

Tennessee is fairly densely populated, with a mix of urban and rural areas. In 2019, many counties in Tennessee are classified as low-cost areas by the federal government, with some notable exceptions. The 2019 FHA loan limit range for single-family homes in Tennessee is between $314,827 and $534,750.

Tennessee FHA loan limits by county

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ANDERSON$314,827 $403,125 $487,250 $605,525 $180,000
BEDFORD$314,827 $403,125 $487,250 $605,525 $145,000
BENTON$314,827 $403,125 $487,250 $605,525 $42,000
BLEDSOE$314,827 $403,125 $487,250 $605,525 $29,000
BLOUNT$314,827 $403,125 $487,250 $605,525 $180,000
BRADLEY$314,827 $403,125 $487,250 $605,525 $144,000
CAMPBELL$314,827 $403,125 $487,250 $605,525 $180,000
CANNON$534,750 $684,550 $827,500 $1,028,350 $465,000
CARROLL$314,827 $403,125 $487,250 $605,525 $60,000
CARTER$314,827 $403,125 $487,250 $605,525 $153,000
CHEATHAM$534,750 $684,550 $827,500 $1,028,350 $465,000
CHESTER$314,827 $403,125 $487,250 $605,525 $120,000
CLAIBORNE$314,827 $403,125 $487,250 $605,525 $70,000
CLAY$314,827 $403,125 $487,250 $605,525 $45,000
COCKE$314,827 $403,125 $487,250 $605,525 $56,000
COFFEE$314,827 $403,125 $487,250 $605,525 $120,000
CROCKETT$314,827 $403,125 $487,250 $605,525 $120,000
CUMBERLAND$314,827 $403,125 $487,250 $605,525 $97,000
DAVIDSON$534,750 $684,550 $827,500 $1,028,350 $465,000
DECATUR$314,827 $403,125 $487,250 $605,525 $46,000
DEKALB$314,827 $403,125 $487,250 $605,525 $77,000
DICKSON$534,750 $684,550 $827,500 $1,028,350 $465,000
DYER$314,827 $403,125 $487,250 $605,525 $64,000
FAYETTE$314,827 $403,125 $487,250 $605,525 $204,000
FENTRESS$314,827 $403,125 $487,250 $605,525 $59,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $120,000
GIBSON$314,827 $403,125 $487,250 $605,525 $70,000
GILES$314,827 $403,125 $487,250 $605,525 $80,000
GRAINGER$314,827 $403,125 $487,250 $605,525 $180,000
GREENE$314,827 $403,125 $487,250 $605,525 $84,000
GRUNDY$314,827 $403,125 $487,250 $605,525 $41,000
HAMBLEN$314,827 $403,125 $487,250 $605,525 $125,000
HAMILTON$314,827 $403,125 $487,250 $605,525 $179,000
HANCOCK$314,827 $403,125 $487,250 $605,525 $30,000
HARDEMAN$314,827 $403,125 $487,250 $605,525 $48,000
HARDIN$314,827 $403,125 $487,250 $605,525 $55,000
HAWKINS$314,827 $403,125 $487,250 $605,525 $140,000
HAYWOOD$314,827 $403,125 $487,250 $605,525 $82,000
HENDERSON$314,827 $403,125 $487,250 $605,525 $74,000
HENRY$314,827 $403,125 $487,250 $605,525 $60,000
HICKMAN$534,750 $684,550 $827,500 $1,028,350 $465,000
HOUSTON$314,827 $403,125 $487,250 $605,525 $35,000
HUMPHREYS$314,827 $403,125 $487,250 $605,525 $76,000
JACKSON$314,827 $403,125 $487,250 $605,525 $144,000
JEFFERSON$314,827 $403,125 $487,250 $605,525 $125,000
JOHNSON$314,827 $403,125 $487,250 $605,525 $50,000
KNOX$314,827 $403,125 $487,250 $605,525 $180,000
LAKE$314,827 $403,125 $487,250 $605,525 $45,000
LAUDERDALE$314,827 $403,125 $487,250 $605,525 $58,000
LAWRENCE$314,827 $403,125 $487,250 $605,525 $68,000
LEWIS$314,827 $403,125 $487,250 $605,525 $56,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $91,000
LOUDON$314,827 $403,125 $487,250 $605,525 $180,000
MACON$534,750 $684,550 $827,500 $1,028,350 $465,000
MADISON$314,827 $403,125 $487,250 $605,525 $120,000
MARION$314,827 $403,125 $487,250 $605,525 $179,000
MARSHALL$314,827 $403,125 $487,250 $605,525 $145,000
MAURY$534,750 $684,550 $827,500 $1,028,350 $465,000
MCMINN$314,827 $403,125 $487,250 $605,525 $95,000
MCNAIRY$314,827 $403,125 $487,250 $605,525 $59,000
MEIGS$314,827 $403,125 $487,250 $605,525 $78,000
MONROE$314,827 $403,125 $487,250 $605,525 $97,000
MONTGOMERY$314,827 $403,125 $487,250 $605,525 $170,000
MOORE$314,827 $403,125 $487,250 $605,525 $120,000
MORGAN$314,827 $403,125 $487,250 $605,525 $180,000
OBION$314,827 $403,125 $487,250 $605,525 $70,000
OVERTON$314,827 $403,125 $487,250 $605,525 $144,000
PERRY$314,827 $403,125 $487,250 $605,525 $35,000
PICKETT$314,827 $403,125 $487,250 $605,525 $72,000
POLK$314,827 $403,125 $487,250 $605,525 $144,000
PUTNAM$314,827 $403,125 $487,250 $605,525 $144,000
RHEA$314,827 $403,125 $487,250 $605,525 $107,000
ROANE$314,827 $403,125 $487,250 $605,525 $180,000
ROBERTSON$534,750 $684,550 $827,500 $1,028,350 $465,000
RUTHERFORD$534,750 $684,550 $827,500 $1,028,350 $465,000
SCOTT$314,827 $403,125 $487,250 $605,525 $40,000
SEQUATCHIE$314,827 $403,125 $487,250 $605,525 $179,000
SEVIER$314,827 $403,125 $487,250 $605,525 $165,000
SHELBY$314,827 $403,125 $487,250 $605,525 $204,000
SMITH$534,750 $684,550 $827,500 $1,028,350 $465,000
STEWART$314,827 $403,125 $487,250 $605,525 $69,000
SULLIVAN$314,827 $403,125 $487,250 $605,525 $140,000
SUMNER$534,750 $684,550 $827,500 $1,028,350 $465,000
TIPTON$314,827 $403,125 $487,250 $605,525 $204,000
TROUSDALE$534,750 $684,550 $827,500 $1,028,350 $465,000
UNICOI$314,827 $403,125 $487,250 $605,525 $153,000
UNION$314,827 $403,125 $487,250 $605,525 $180,000
VAN BUREN$314,827 $403,125 $487,250 $605,525 $42,000
WARREN$314,827 $403,125 $487,250 $605,525 $80,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $153,000
WAYNE$314,827 $403,125 $487,250 $605,525 $35,000
WEAKLEY$314,827 $403,125 $487,250 $605,525 $70,000
WHITE$314,827 $403,125 $487,250 $605,525 $89,000
WILLIAMSON$534,750 $684,550 $827,500 $1,028,350 $465,000
WILSON$534,750 $684,550 $827,500 $1,028,350 $465,000

How are FHA loan limits calculated?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on how large of a mortgage Fannie Mae and Freddie Mac will purchase, also known as the conforming loan limit. In 2019, that limit is $484,350.

The FHA “floor” is the loan limit in low-cost areas and is set at 65% of the conforming loan limit, or $314,827 for 2019. Most of the country falls into this category.

The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. This is the highest mortgage the agency will insure for a single-family home, except for specific cases. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

Here are the 2019 standard FHA limits for all property types nationwide:

One-unit: $314,827
Two-unit: $403,125
Three-unit: $487,250
Four-unit: $605,525

Here are the 2019 standard FHA limits for high-cost areas nationwide:

One-unit: $726,525
Two-unit: $930,300
Three-unit: $1,124,475
Four-unit: $1,397,400

Are you eligible for an FHA loan in Tennessee?

An FHA loan might be right for you if the home you are buying meets the FHA purchase price requirements for your county in Tennessee. You still must qualify for the loan in other ways, including your credit score, income and amount you have saved for a down payment. Visit MagnifyMoney’s complete FHA loan guide to learn more. LendingTree is the parent company of MagnifyMoney

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

Advertiser Disclosure

Mortgage

2019 FHA Loan Limits in South Dakota

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Now that you’ve decided to buy a home in South Dakota, you’ve taken a big first step! You might’ve already given some thought to what type of mortgage would work best for you. There are lots of options, from conventional mortgages to several types of federally insured loans.

One of the more popular kinds of federally insured loans is the FHA mortgage. These loans are backed by the Federal Housing Administration and may be easier to qualify for than a conventional loan.

See Mortgage Rate Quotes for Your Home

See RatesSee RatesSee RatesTerms Apply. NMLS ID# 1136

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

FHA loans are fairly common for South Dakota residents — nearly 20% of home mortgages originating in the state in 2015 (the latest data available) were FHA loans, totaling $400 million. In 2018, 0.21% of all FHA loans were made to South Dakotans.

FHA sets restrictions on the amount it will lend for an individual mortgage, and those limits change every year to keep up with housing prices. In 2019, the FHA loan limit for areas deemed to be “low-cost” is $314,827. Since virtually all counties in South Dakota are classified as low-cost areas, the FHA loan limit for single-family homes in South Dakota is $314,827 in all counties.

South Dakota FHA loan limits by county

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
AURORA$314,827 $403,125 $487,250 $605,525 $77,000
BEADLE$314,827 $403,125 $487,250 $605,525 $119,000
BENNETT$314,827 $403,125 $487,250 $605,525 $68,000
BON HOMME$314,827 $403,125 $487,250 $605,525 $85,000
BROOKINGS$314,827 $403,125 $487,250 $605,525 $179,000
BROWN$314,827 $403,125 $487,250 $605,525 $166,000
BRULE$314,827 $403,125 $487,250 $605,525 $120,000
BUFFALO$314,827 $403,125 $487,250 $605,525 $77,000
BUTTE$314,827 $403,125 $487,250 $605,525 $133,000
CAMPBELL$314,827 $403,125 $487,250 $605,525 $72,000
CHARLES MIX$314,827 $403,125 $487,250 $605,525 $102,000
CLARK$314,827 $403,125 $487,250 $605,525 $86,000
CLAY$314,827 $403,125 $487,250 $605,525 $154,000
CODINGTON$314,827 $403,125 $487,250 $605,525 $178,000
CORSON$314,827 $403,125 $487,250 $605,525 $63,000
CUSTER$314,827 $403,125 $487,250 $605,525 $222,000
DAVISON$314,827 $403,125 $487,250 $605,525 $154,000
DAY$314,827 $403,125 $487,250 $605,525 $94,000
DEUEL$314,827 $403,125 $487,250 $605,525 $132,000
DEWEY$314,827 $403,125 $487,250 $605,525 $71,000
DOUGLAS$314,827 $403,125 $487,250 $605,525 $84,000
EDMUNDS$314,827 $403,125 $487,250 $605,525 $166,000
FALL RIVER$314,827 $403,125 $487,250 $605,525 $130,000
FAULK$314,827 $403,125 $487,250 $605,525 $94,000
GRANT$314,827 $403,125 $487,250 $605,525 $130,000
GREGORY$314,827 $403,125 $487,250 $605,525 $71,000
HAAKON$314,827 $403,125 $487,250 $605,525 $84,000
HAMLIN$314,827 $403,125 $487,250 $605,525 $128,000
HAND$314,827 $403,125 $487,250 $605,525 $107,000
HANSON$314,827 $403,125 $487,250 $605,525 $154,000
HARDING$314,827 $403,125 $487,250 $605,525 $99,000
HUGHES$314,827 $403,125 $487,250 $605,525 $191,000
HUTCHINSON$314,827 $403,125 $487,250 $605,525 $83,000
HYDE$314,827 $403,125 $487,250 $605,525 $90,000
JACKSON$314,827 $403,125 $487,250 $605,525 $61,000
JERAULD$314,827 $403,125 $487,250 $605,525 $90,000
JONES$314,827 $403,125 $487,250 $605,525 $65,000
KINGSBURY$314,827 $403,125 $487,250 $605,525 $105,000
LAKE$314,827 $403,125 $487,250 $605,525 $164,000
LAWRENCE$314,827 $403,125 $487,250 $605,525 $212,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $244,000
LYMAN$314,827 $403,125 $487,250 $605,525 $82,000
MARSHALL$314,827 $403,125 $487,250 $605,525 $99,000
MCCOOK$314,827 $403,125 $487,250 $605,525 $244,000
MCPHERSON$314,827 $403,125 $487,250 $605,525 $62,000
MEADE$314,827 $403,125 $487,250 $605,525 $222,000
MELLETTE$314,827 $403,125 $487,250 $605,525 $50,000
MINER$314,827 $403,125 $487,250 $605,525 $95,000
MINNEHAHA$314,827 $403,125 $487,250 $605,525 $244,000
MOODY$314,827 $403,125 $487,250 $605,525 $136,000
OGLALA LAKOTA$314,827 $403,125 $487,250 $605,525 $26,000
PENNINGTON$314,827 $403,125 $487,250 $605,525 $222,000
PERKINS$314,827 $403,125 $487,250 $605,525 $77,000
POTTER$314,827 $403,125 $487,250 $605,525 $91,000
ROBERTS$314,827 $403,125 $487,250 $605,525 $104,000
SANBORN$314,827 $403,125 $487,250 $605,525 $85,000
SPINK$314,827 $403,125 $487,250 $605,525 $83,000
STANLEY$314,827 $403,125 $487,250 $605,525 $191,000
SULLY$314,827 $403,125 $487,250 $605,525 $191,000
TODD$314,827 $403,125 $487,250 $605,525 $53,000
TRIPP$314,827 $403,125 $487,250 $605,525 $88,000
TURNER$314,827 $403,125 $487,250 $605,525 $244,000
UNION$314,827 $403,125 $487,250 $605,525 $175,000
WALWORTH$314,827 $403,125 $487,250 $605,525 $90,000
YANKTON$314,827 $403,125 $487,250 $605,525 $158,000
ZIEBACH$314,827 $403,125 $487,250 $605,525 $65,000

How are FHA loan limits calculated?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit, which is the biggest loan that Fannie Mae and Freddie Mac will purchase. In 2019, the conforming loan limit is $484,350.

The largest mortgage the FHA will insure in most of the country, called the “floor,” is set at 65% of the conforming loan limit, which is $314,827 for 2019. The FHA ceiling applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

Here are the 2019 standard FHA limits nationwide for all property types:

One-unit: $314,827
Two-unit: $403,125
Three-unit: $487,250
Four-unit: $605,525

Here are the 2019 standard FHA limits nationwide for high-cost areas:

One-unit: $726,525
Two-unit: $930,300
Three-unit: $1,124,475
Four-unit: $1,397,400

Are you eligible for an FHA loan in South Dakota?

If the mortgage you need meets the FHA loan limit requirements for your county in South Dakota, then an FHA loan might be right for you. You still need to qualify for the loan in other ways, including your credit score, your income and the amount of your down payment. Visit MagnifyMoney’s complete guide to FHA loans to learn more.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

Advertiser Disclosure

Mortgage

2019 FHA Loan Limits in Kentucky

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

Buying a home is an important milestone for many people, and deciding to go for it is a huge first step. Now that you’ve decided to buy a home in Kentucky, you may have given some thought as to what type of mortgage would work best for you. There are lots of options, from conventional mortgages to several types of federally insured loans.

See Mortgage Rate Quotes for Your Home

See RatesSee RatesSee RatesTerms Apply. NMLS ID# 1136

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

A loan backed by the Federal Housing Administration (FHA) is one choice to consider. FHA loans have low credit score and down payment requirements, and they often allow a higher debt-to-income ratio than conventional loans. That makes this type of loan attractive to buyers who aren’t able to qualify for conventional mortgages.

Nearly a quarter of home loans originating in Kentucky in 2015 (the latest data available) were FHA loans, totaling $2.2 billion. In 2018, 1.36% of all FHA loans were made to Kentuckians, up from 1.33% the year prior.

If you decide to get an FHA loan, you’ll be constrained by the agency’s loan limits. The FHA adjusts loan limits each year to keep up with changes to median home prices. It has loan limits for low-cost areas and high-cost areas.

In 2019, nearly all counties in Kentucky are classified as low-cost areas by the federal government. That means the 2019 FHA loan limit for single-family homes is $314,827 in all counties except Bullitt County, home to Louisville, where the limit is $316,250.

Kentucky FHA loan limits by county

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
ADAIR$314,827 $403,125 $487,250 $605,525 $58,000
ALLEN$314,827 $403,125 $487,250 $605,525 $160,000
ANDERSON$314,827 $403,125 $487,250 $605,525 $149,000
BALLARD$314,827 $403,125 $487,250 $605,525 $140,000
BARREN$314,827 $403,125 $487,250 $605,525 $90,000
BATH$314,827 $403,125 $487,250 $605,525 $125,000
BELL$314,827 $403,125 $487,250 $605,525 $66,000
BOONE$314,827 $403,125 $487,250 $605,525 $229,000
BOURBON$314,827 $403,125 $487,250 $605,525 $184,000
BOYD$314,827 $403,125 $487,250 $605,525 $158,000
BOYLE$314,827 $403,125 $487,250 $605,525 $150,000
BRACKEN$314,827 $403,125 $487,250 $605,525 $229,000
BREATHITT$314,827 $403,125 $487,250 $605,525 $55,000
BRECKINRIDGE$314,827 $403,125 $487,250 $605,525 $49,000
BULLITT$316,250 $404,850 $489,350 $608,150 $275,000
BUTLER$314,827 $403,125 $487,250 $605,525 $160,000
CALDWELL$314,827 $403,125 $487,250 $605,525 $65,000
CALLOWAY$314,827 $403,125 $487,250 $605,525 $113,000
CAMPBELL$314,827 $403,125 $487,250 $605,525 $229,000
CARLISLE$314,827 $403,125 $487,250 $605,525 $69,000
CARROLL$314,827 $403,125 $487,250 $605,525 $114,000
CARTER$314,827 $403,125 $487,250 $605,525 $56,000
CASEY$314,827 $403,125 $487,250 $605,525 $83,000
CHRISTIAN$314,827 $403,125 $487,250 $605,525 $170,000
CLARK$314,827 $403,125 $487,250 $605,525 $184,000
CLAY$314,827 $403,125 $487,250 $605,525 $26,000
CLINTON$314,827 $403,125 $487,250 $605,525 $41,000
CRITTENDEN$314,827 $403,125 $487,250 $605,525 $63,000
CUMBERLAND$314,827 $403,125 $487,250 $605,525 $90,000
DAVIESS$314,827 $403,125 $487,250 $605,525 $146,000
EDMONSON$314,827 $403,125 $487,250 $605,525 $160,000
ELLIOTT$314,827 $403,125 $487,250 $605,525 $78,000
ESTILL$314,827 $403,125 $487,250 $605,525 $40,000
FAYETTE$314,827 $403,125 $487,250 $605,525 $184,000
FLEMING$314,827 $403,125 $487,250 $605,525 $51,000
FLOYD$314,827 $403,125 $487,250 $605,525 $45,000
FRANKLIN$314,827 $403,125 $487,250 $605,525 $149,000
FULTON$314,827 $403,125 $487,250 $605,525 $70,000
GALLATIN$314,827 $403,125 $487,250 $605,525 $229,000
GARRARD$314,827 $403,125 $487,250 $605,525 $92,000
GRANT$314,827 $403,125 $487,250 $605,525 $229,000
GRAVES$314,827 $403,125 $487,250 $605,525 $103,000
GRAYSON$314,827 $403,125 $487,250 $605,525 $112,000
GREEN$314,827 $403,125 $487,250 $605,525 $55,000
GREENUP$314,827 $403,125 $487,250 $605,525 $158,000
HANCOCK$314,827 $403,125 $487,250 $605,525 $146,000
HARDIN$314,827 $403,125 $487,250 $605,525 $135,000
HARLAN$314,827 $403,125 $487,250 $605,525 $58,000
HARRISON$314,827 $403,125 $487,250 $605,525 $97,000
HART$314,827 $403,125 $487,250 $605,525 $92,000
HENDERSON$314,827 $403,125 $487,250 $605,525 $182,000
HENRY$316,250 $404,850 $489,350 $608,150 $275,000
HICKMAN$314,827 $403,125 $487,250 $605,525 $75,000
HOPKINS$314,827 $403,125 $487,250 $605,525 $85,000
JACKSON$314,827 $403,125 $487,250 $605,525 $45,000
JEFFERSON$316,250 $404,850 $489,350 $608,150 $275,000
JESSAMINE$314,827 $403,125 $487,250 $605,525 $184,000
JOHNSON$314,827 $403,125 $487,250 $605,525 $85,000
KENTON$314,827 $403,125 $487,250 $605,525 $229,000
KNOTT$314,827 $403,125 $487,250 $605,525 $56,000
KNOX$314,827 $403,125 $487,250 $605,525 $109,000
LARUE$314,827 $403,125 $487,250 $605,525 $135,000
LAUREL$314,827 $403,125 $487,250 $605,525 $109,000
LAWRENCE$314,827 $403,125 $487,250 $605,525 $91,000
LEE$314,827 $403,125 $487,250 $605,525 $70,000
LESLIE$314,827 $403,125 $487,250 $605,525 $49,000
LETCHER$314,827 $403,125 $487,250 $605,525 $63,000
LEWIS$314,827 $403,125 $487,250 $605,525 $37,000
LINCOLN$314,827 $403,125 $487,250 $605,525 $150,000
LIVINGSTON$314,827 $403,125 $487,250 $605,525 $140,000
LOGAN$314,827 $403,125 $487,250 $605,525 $106,000
LYON$314,827 $403,125 $487,250 $605,525 $97,000
MADISON$314,827 $403,125 $487,250 $605,525 $146,000
MAGOFFIN$314,827 $403,125 $487,250 $605,525 $41,000
MARION$314,827 $403,125 $487,250 $605,525 $109,000
MARSHALL$314,827 $403,125 $487,250 $605,525 $87,000
MARTIN$314,827 $403,125 $487,250 $605,525 $83,000
MASON$314,827 $403,125 $487,250 $605,525 $75,000
MCCRACKEN$314,827 $403,125 $487,250 $605,525 $140,000
MCCREARY$314,827 $403,125 $487,250 $605,525 $69,000
MCLEAN$314,827 $403,125 $487,250 $605,525 $146,000
MEADE$314,827 $403,125 $487,250 $605,525 $135,000
MENIFEE$314,827 $403,125 $487,250 $605,525 $125,000
MERCER$314,827 $403,125 $487,250 $605,525 $106,000
METCALFE$314,827 $403,125 $487,250 $605,525 $90,000
MONROE$314,827 $403,125 $487,250 $605,525 $79,000
MONTGOMERY$314,827 $403,125 $487,250 $605,525 $125,000
MORGAN$314,827 $403,125 $487,250 $605,525 $39,000
MUHLENBERG$314,827 $403,125 $487,250 $605,525 $55,000
NELSON$314,827 $403,125 $487,250 $605,525 $133,000
NICHOLAS$314,827 $403,125 $487,250 $605,525 $94,000
OHIO$314,827 $403,125 $487,250 $605,525 $94,000
OLDHAM$316,250 $404,850 $489,350 $608,150 $275,000
OWEN$314,827 $403,125 $487,250 $605,525 $86,000
OWSLEY$314,827 $403,125 $487,250 $605,525 $91,000
PENDLETON$314,827 $403,125 $487,250 $605,525 $229,000
PERRY$314,827 $403,125 $487,250 $605,525 $80,000
PIKE$314,827 $403,125 $487,250 $605,525 $59,000
POWELL$314,827 $403,125 $487,250 $605,525 $68,000
PULASKI$314,827 $403,125 $487,250 $605,525 $119,000
ROBERTSON$314,827 $403,125 $487,250 $605,525 $126,000
ROCKCASTLE$314,827 $403,125 $487,250 $605,525 $146,000
ROWAN$314,827 $403,125 $487,250 $605,525 $80,000
RUSSELL$314,827 $403,125 $487,250 $605,525 $42,000
SCOTT$314,827 $403,125 $487,250 $605,525 $184,000
SHELBY$316,250 $404,850 $489,350 $608,150 $275,000
SIMPSON$314,827 $403,125 $487,250 $605,525 $131,000
SPENCER$316,250 $404,850 $489,350 $608,150 $275,000
TAYLOR$314,827 $403,125 $487,250 $605,525 $91,000
TODD$314,827 $403,125 $487,250 $605,525 $98,000
TRIGG$314,827 $403,125 $487,250 $605,525 $170,000
TRIMBLE$316,250 $404,850 $489,350 $608,150 $275,000
UNION$314,827 $403,125 $487,250 $605,525 $57,000
WARREN$314,827 $403,125 $487,250 $605,525 $160,000
WASHINGTON$314,827 $403,125 $487,250 $605,525 $110,000
WAYNE$314,827 $403,125 $487,250 $605,525 $52,000
WEBSTER$314,827 $403,125 $487,250 $605,525 $47,000
WHITLEY$314,827 $403,125 $487,250 $605,525 $109,000
WOLFE$314,827 $403,125 $487,250 $605,525 $40,000
WOODFORD$314,827 $403,125 $487,250 $605,525 $184,000

How are FHA loan limits calculated?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2019, the conforming loan limit is $484,350.

The FHA “floor” is the largest single-family home mortgage the agency will insure in low-cost areas and is set at $314,827 for 2019. The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

Here are the 2019 standard FHA limits nationwide for all property types:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits nationwide for high-cost areas:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Are you eligible for an FHA loan in Kentucky?

If the mortgage you need meets the FHA loan limit requirements for your county in Kentucky, an FHA loan might be right for you. To see if you qualify for the loan in other ways — including your credit score, income and the amount you have saved for a down payment — visit MagnifyMoney’s complete guide to FHA loans. LendingTree is the parent company of MagnifyMoney.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

By clicking “See Rates”, you will be directed to LendingTree. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.