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Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

Current FHA Mortgage Rates in Kentucky : HSH.com's FHA/VA Showcase

Get FHA mortgage rates

Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Updated: 2/19/2020
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30 year fixed mortgage rates today from 3.625%

Updated: 2/19/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.995%
APR
Rate as low as
3.625%
Rate
$ 912
Monthly Payment
Show Details
Updated: 2/19/2020
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.147%
APR
Rate as low as
3.000%
Rate
$ 843
Monthly Payment
Show Details
Updated: 2/19/2020
Rocket Mortgage
  • A+ Rating with the Better Business Bureau
Updated: 2/19/2020
Figure Lending LLC
  • Closing in as few as 10 Days
  • Fast, Easy, and 100% Online Application Process
  • Get your rate quote instantly without affecting your credit
  • Dedicated support team

Kentucky Mortgages

2020 FHA Loan Limits for Kentucky

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2020 FHA Loan Limits for each county in Kentucky are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AdairOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AllenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AndersonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BallardOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BarrenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BathOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BooneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BourbonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BoydOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BoyleOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BrackenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BreathittOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BreckinridgeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BullittOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
ButlerOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CaldwellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CallowayOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CampbellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CarlisleOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CarrollOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CarterOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CaseyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChristianOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClarkOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClayOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClintonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CrittendenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CumberlandOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DaviessOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
EdmonsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ElliottOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
EstillOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FayetteOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FlemingOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FloydOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FranklinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FultonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GallatinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GarrardOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GrantOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GravesOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GraysonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GreenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GreenupOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HancockOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HardinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HarlanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HarrisonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HartOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HendersonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HenryOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
HickmanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HopkinsOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JacksonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JeffersonOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
JessamineOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JohnsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
KentonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
KnottOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
KnoxOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LarueOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LaurelOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LawrenceOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LeeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LeslieOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LetcherOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LewisOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LincolnOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LivingstonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LoganOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LyonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MadisonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MagoffinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MarionOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MarshallOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MartinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MasonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MccrackenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MccrearyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
McleanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MeadeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MenifeeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MercerOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MetcalfeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MonroeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MontgomeryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MorganOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MuhlenbergOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
NelsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
NicholasOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OhioOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OldhamOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
OwenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OwsleyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PendletonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PerryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PikeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PowellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PulaskiOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RobertsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RockcastleOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RowanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RussellOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ScottOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ShelbyOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
SimpsonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SpencerOne Family$333,500Two Family$426,950Three Family$516,050Four Family$641,350
TaylorOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ToddOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TriggOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TrimbleOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
UnionOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WarrenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WashingtonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WayneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WebsterOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WhitleyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WolfeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WoodfordOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
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