One-Time Close Loans | FHA, VA, and USDA
Learn all about the VA, USDA, and FHA versions of the One-Time Close Loan.

2021 FHA Loan Limits in KENTUCKY tell homebuyers how much borrowing power they have to build a home in their state, city, and county. VA Limits are set by the lenders.

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VA Loan - One-Time Close Construction Loan
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2021 FHA Loan Limits and VA Lender Limits

Limits for Single Family Home Loans in KENTUCKY Counties

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

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"For 2021, the FHA floor was set at $356,362 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties."

120 match(es) found

ADAIR County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ALLEN County
BOWLING GREEN, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ANDERSON County
FRANKFORT, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BALLARD County
PADUCAH, KY-IL
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BARREN County
GLASGOW, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BATH County
MOUNT STERLING, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BELL County
MIDDLESBOROUGH, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BOONE County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BOURBON County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BOYD County
HUNTINGTON-ASHLAND, WV-KY-OH
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BOYLE County
DANVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRACKEN County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BREATHITT County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRECKINRIDGE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BULLITT County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BUTLER County
BOWLING GREEN, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CALDWELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CALLOWAY County
MURRAY, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CAMPBELL County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CARLISLE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CARROLL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CARTER County
HUNTINGTON-ASHLAND, WV-KY-OH
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CASEY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHRISTIAN County
CLARKSVILLE, TN-KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLARK County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLAY County
LONDON, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLINTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CRITTENDEN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CUMBERLAND County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DAVIESS County
OWENSBORO, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
EDMONSON County
BOWLING GREEN, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ELLIOTT County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ESTILL County
RICHMOND-BEREA, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FAYETTE County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FLEMING County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FLOYD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FRANKLIN County
FRANKFORT, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FULTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GALLATIN County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GARRARD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GRANT County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GRAVES County
MAYFIELD, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GRAYSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GREEN County
CAMPBELLSVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GREENUP County
HUNTINGTON-ASHLAND, WV-KY-OH
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HANCOCK County
OWENSBORO, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HARDIN County
ELIZABETHTOWN-FORT KNOX, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HARLAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HARRISON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HART County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HENDERSON County
EVANSVILLE, IN-KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HENRY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HICKMAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HOPKINS County
MADISONVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JACKSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JEFFERSON County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JESSAMINE County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JOHNSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
KENTON County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
KNOTT County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
KNOX County
LONDON, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LARUE County
ELIZABETHTOWN-FORT KNOX, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LAUREL County
LONDON, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LAWRENCE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LEE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LESLIE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LETCHER County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LEWIS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LINCOLN County
DANVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LIVINGSTON County
PADUCAH, KY-IL
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LOGAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LYON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MADISON County
RICHMOND-BEREA, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MAGOFFIN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MARION County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MARSHALL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MARTIN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MASON County
MAYSVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MCCRACKEN County
PADUCAH, KY-IL
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MCCREARY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MCLEAN County
OWENSBORO, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MEADE County
ELIZABETHTOWN-FORT KNOX, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MENIFEE County
MOUNT STERLING, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MERCER County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
METCALFE County
GLASGOW, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONROE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONTGOMERY County
MOUNT STERLING, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MORGAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MUHLENBERG County
CENTRAL CITY, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NELSON County
BARDSTOWN, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NICHOLAS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OHIO County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OLDHAM County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OWEN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OWSLEY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PENDLETON County
CINCINNATI, OH-KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PERRY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PIKE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
POWELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PULASKI County
SOMERSET, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROBERTSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROCKCASTLE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ROWAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RUSSELL County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCOTT County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SHELBY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SIMPSON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SPENCER County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TAYLOR County
CAMPBELLSVILLE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TODD County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TRIGG County
CLARKSVILLE, TN-KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TRIMBLE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
UNION County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WARREN County
BOWLING GREEN, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WASHINGTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WAYNE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WEBSTER County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WHITLEY County
LONDON, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WOLFE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WOODFORD County
LEXINGTON-FAYETTE, KY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362

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