FHA Mortgage Loan Limits for Jefferson County, Kentucky

Below are the 2021 loan limits for single family homes for Jefferson County, Kentucky.

Single Family Home Loan Limits:

Conventional

$548,250

FHA Mortgage

$356,362

What's the Difference Between Conventional and FHA Loans?

A conventional mortgage is a loan that originates from a private lender and is not backed by the government. Loan qualification can be more challenging, but the loan limits are typically higher than FHA loan limits. As a result, a conventional loan provides more purchasing power.


FHA mortgage loans are typically easier to qualify for than a conventional loan as they are insured by the U.S. government. FHA loan limits are typically lower than conventional loans and must meet the official HUD minimum property standards. A great option for those with a higher risk profile, but purchasing power is reduced compared to a conventional loan.

Read more about the differences

What are FHA Loan Limits?

The Federal Housing Administration (FHA) establishes a maximum loan amount, or loan limit, that it will insure. This is known as the FHA lending limit. These loan limits are calculated and updated annually.

Learn more about how FHA loan limits impact home buyers

County Insights

Estimated Population (2018): 766,757


Cities and Towns:

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  • Audubon Park, KY
  • Bancroft, KY
  • Barbourmeade, KY
  • Beechwood Village, KY
  • Bellemeade, KY
  • Bellewood, KY
  • Blue Ridge Manor, KY
  • Briarwood, KY
  • Broeck Pointe, KY
  • Brownsboro Farm, KY
  • Brownsboro Village, KY
  • Cambridge, KY
  • Coldstream, KY
  • Creekside, KY
  • Crossgate, KY
  • Douglass Hills, KY
  • Druid Hills, KY
  • Fincastle, KY
  • Forest Hills, KY
  • Glenview, KY
  • Glenview Hills, KY
  • Glenview Manor, KY
  • Goose Creek, KY
  • Graymoor-Devondale, KY
  • Green Spring, KY
  • Heritage Creek, KY
  • Hickory Hill, KY
  • Hills and Dales, KY
  • Hollow Creek, KY
  • Hollyvilla, KY
  • Houston Acres, KY
  • Hurstbourne, KY
  • Hurstbourne Acres, KY
  • Indian Hills, KY
  • Jeffersontown, KY
  • Kingsley, KY
  • Langdon Place, KY
  • Lincolnshire, KY
  • Lyndon, KY
  • Lynnview, KY
  • Manor Creek, KY
  • Maryhill Estates, KY
  • Meadow Vale, KY
  • Meadowbrook Farm, KY
  • Meadowview Estates, KY
  • Middletown, KY
  • Mockingbird Valley, KY
  • Moorland, KY
  • Murray Hill, KY
  • Norbourne Estates, KY
  • Northfield, KY
  • Norwood, KY
  • Old Brownsboro Place, KY
  • Parkway Village, KY
  • Plantation, KY
  • Poplar Hills, KY
  • Prospect, KY
  • Richlawn, KY
  • Riverwood, KY
  • Rolling Fields, KY
  • Rolling Hills, KY
  • Seneca Gardens, KY
  • Shively, KY
  • South Park View, KY
  • Spring Mill, KY
  • Spring Valley, KY
  • St. Matthews, KY
  • St. Regis Park, KY
  • Strathmoor Manor, KY
  • Strathmoor Village, KY
  • Sycamore, KY
  • Ten Broeck, KY
  • Thornhill, KY
  • Watterson Park, KY
  • Wellington, KY
  • West Buechel, KY
  • Westwood, KY
  • Wildwood, KY
  • Windy Hills, KY
  • Woodland Hills, KY
  • Woodlawn Park, KY
  • Worthington Hills, KY
  • Louisville/Jefferson County, KY


Details courtesy of County Insights


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