Kentucky FHA Loan Changes for 2022

Here’s what you need to know about Kentucky FHA Loans and the changes that have been made for 2022.

What is a Kentucky FHA loan?

It stands for a Federal Housing Administration loan, meaning it is backed by the U.S. government. It is not made by a government agency. You deal directly with a mortgage lender or broker to get the loan, but the FHA will typically buy the loan from the lender after it is made or guarantee the lender against loss. FHA loans typically require lower down payments and credit scores than most conventional loans, making them a clear favorite among first-time buyers.

What Are the Terms?

These loans can have terms of either 30 years or 15 years. The interest rate is fixed for the entire loan length.

FHA borrowers are required to pay mortgage insurance premiums, but after a borrower’s equity in their home increases they may be able to refinance into a conventional loan and eliminate the monthly mortgage insurance premiums.

What Are the Qualifications?

To qualify for an FHA mortgage, home buyers need a FICO credit score of 580 or higher and a down payment of 3.5% (or a minimum down payment of 10% with a 500 FICO score).

These loans also require a two-year employment and income verification and the property as must be used as a primary residence.

If a borrower has had a bankruptcy, they must wait one to two years depending on if Chapter 13 or Chapter 7 before applying and three years after a foreclosure.

Increased Loan Limits for 2022

In 2022, for most parts of the U.S., Kentucky FHA borrowers can take out a loan for up to $420,680, an increase from 2021’s limit of $356,362.

What is a Kentucky FHA loan?
What is a Kentucky FHA loan?

Kentucky FHA Loan Limits for Every Kentucky County in 2022

Kentucky FHA Loan Limits for 2022


Every county in Kentucky has the base FHA loan limit for single family residences in Kentucky for most counties is $420,680.

Use this FHA loan limit lookup tool to see what the FHA loan limits are in your county.

County Name Single Family 2 Units 3 Units 4 Units


ADAIR $420,680 $538,650 $651,050 $809,150
ALLEN $420,680 $538,650 $651,050 $809,150
ANDERSON $420,680 $538,650 $651,050 $809,150
BALLARD $420,680 $538,650 $651,050 $809,150
BARREN $420,680 $538,650 $651,050 $809,150
BATH $420,680 $538,650 $651,050 $809,150
BELL $420,680 $538,650 $651,050 $809,150
BOONE $420,680 $538,650 $651,050 $809,150
BOURBON $420,680 $538,650 $651,050 $809,150
BOYD $420,680 $538,650 $651,050 $809,150
BOYLE $420,680 $538,650 $651,050 $809,150
BRACKEN $420,680 $538,650 $651,050 $809,150
BREATHITT $420,680 $538,650 $651,050 $809,150
BRECKINRIDGE $420,680 $538,650 $651,050 $809,150
BULLITT $420,680 $538,650 $651,050 $809,150
BUTLER $420,680 $538,650 $651,050 $809,150
CALDWELL $420,680 $538,650 $651,050 $809,150
CALLOWAY $420,680 $538,650 $651,050 $809,150
CAMPBELL $420,680 $538,650 $651,050 $809,150
CARLISLE $420,680 $538,650 $651,050 $809,150
CARROLL $420,680 $538,650 $651,050 $809,150
CARTER $420,680 $538,650 $651,050 $809,150
CASEY $420,680 $538,650 $651,050 $809,150
CHRISTIAN $420,680 $538,650 $651,050 $809,150
CLARK $420,680 $538,650 $651,050 $809,150
CLAY $420,680 $538,650 $651,050 $809,150
CLINTON $420,680 $538,650 $651,050 $809,150
CRITTENDEN $420,680 $538,650 $651,050 $809,150
CUMBERLAND $420,680 $538,650 $651,050 $809,150
DAVIESS $420,680 $538,650 $651,050 $809,150
EDMONSON $420,680 $538,650 $651,050 $809,150
ELLIOTT $420,680 $538,650 $651,050 $809,150
ESTILL $420,680 $538,650 $651,050 $809,150
FAYETTE $420,680 $538,650 $651,050 $809,150
FLEMING $420,680 $538,650 $651,050 $809,150
FLOYD $420,680 $538,650 $651,050 $809,150
FRANKLIN $420,680 $538,650 $651,050 $809,150
FULTON $420,680 $538,650 $651,050 $809,150
GALLATIN $420,680 $538,650 $651,050 $809,150
GARRARD $420,680 $538,650 $651,050 $809,150
GRANT $420,680 $538,650 $651,050 $809,150
GRAVES $420,680 $538,650 $651,050 $809,150
GRAYSON $420,680 $538,650 $651,050 $809,150
GREEN $420,680 $538,650 $651,050 $809,150
GREENUP $420,680 $538,650 $651,050 $809,150
HANCOCK $420,680 $538,650 $651,050 $809,150
HARDIN $420,680 $538,650 $651,050 $809,150
HARLAN $420,680 $538,650 $651,050 $809,150
HARRISON $420,680 $538,650 $651,050 $809,150
HART $420,680 $538,650 $651,050 $809,150
HENDERSON $420,680 $538,650 $651,050 $809,150
HENRY $420,680 $538,650 $651,050 $809,150
HICKMAN $420,680 $538,650 $651,050 $809,150
HOPKINS $420,680 $538,650 $651,050 $809,150
JACKSON $420,680 $538,650 $651,050 $809,150
JEFFERSON $420,680 $538,650 $651,050 $809,150
JESSAMINE $420,680 $538,650 $651,050 $809,150
JOHNSON $420,680 $538,650 $651,050 $809,150
KENTON $420,680 $538,650 $651,050 $809,150
KNOTT $420,680 $538,650 $651,050 $809,150
KNOX $420,680 $538,650 $651,050 $809,150
LARUE $420,680 $538,650 $651,050 $809,150
LAUREL $420,680 $538,650 $651,050 $809,150
LAWRENCE $420,680 $538,650 $651,050 $809,150
LEE $420,680 $538,650 $651,050 $809,150
LESLIE $420,680 $538,650 $651,050 $809,150
LETCHER $420,680 $538,650 $651,050 $809,150
LEWIS $420,680 $538,650 $651,050 $809,150
LINCOLN $420,680 $538,650 $651,050 $809,150
LIVINGSTON $420,680 $538,650 $651,050 $809,150
LOGAN $420,680 $538,650 $651,050 $809,150
LYON $420,680 $538,650 $651,050 $809,150
MADISON $420,680 $538,650 $651,050 $809,150
MAGOFFIN $420,680 $538,650 $651,050 $809,150
MARION $420,680 $538,650 $651,050 $809,150
MARSHALL $420,680 $538,650 $651,050 $809,150
MARTIN $420,680 $538,650 $651,050 $809,150
MASON $420,680 $538,650 $651,050 $809,150
MCCRACKEN $420,680 $538,650 $651,050 $809,150
MCCREARY $420,680 $538,650 $651,050 $809,150
MCLEAN $420,680 $538,650 $651,050 $809,150
MEADE $420,680 $538,650 $651,050 $809,150
MENIFEE $420,680 $538,650 $651,050 $809,150
MERCER $420,680 $538,650 $651,050 $809,150
METCALFE $420,680 $538,650 $651,050 $809,150
MONROE $420,680 $538,650 $651,050 $809,150
MONTGOMERY $420,680 $538,650 $651,050 $809,150
MORGAN $420,680 $538,650 $651,050 $809,150
MUHLENBERG $420,680 $538,650 $651,050 $809,150
NELSON $420,680 $538,650 $651,050 $809,150
NICHOLAS $420,680 $538,650 $651,050 $809,150
OHIO $420,680 $538,650 $651,050 $809,150
OLDHAM $420,680 $538,650 $651,050 $809,150
OWEN $420,680 $538,650 $651,050 $809,150
OWSLEY $420,680 $538,650 $651,050 $809,150
PENDLETON $420,680 $538,650 $651,050 $809,150
PERRY $420,680 $538,650 $651,050 $809,150
PIKE $420,680 $538,650 $651,050 $809,150
POWELL $420,680 $538,650 $651,050 $809,150
PULASKI $420,680 $538,650 $651,050 $809,150
ROBERTSON $420,680 $538,650 $651,050 $809,150
ROCKCASTLE $420,680 $538,650 $651,050 $809,150
ROWAN $420,680 $538,650 $651,050 $809,150
RUSSELL $420,680 $538,650 $651,050 $809,150
SCOTT $420,680 $538,650 $651,050 $809,150
SHELBY $420,680 $538,650 $651,050 $809,150
SIMPSON $420,680 $538,650 $651,050 $809,150
SPENCER $420,680 $538,650 $651,050 $809,150
TAYLOR $420,680 $538,650 $651,050 $809,150
TODD $420,680 $538,650 $651,050 $809,150
TRIGG $420,680 $538,650 $651,050 $809,150
TRIMBLE $420,680 $538,650 $651,050 $809,150
UNION $420,680 $538,650 $651,050 $809,150
WARREN $420,680 $538,650 $651,050 $809,150
WASHINGTON $420,680 $538,650 $651,050 $809,150
WAYNE $420,680 $538,650 $651,050 $809,150
WEBSTER $420,680 $538,650 $651,050 $809,150
WHITLEY $420,680 $538,650 $651,050 $809,150
WOLFE $420,680 $538,650 $651,050 $809,150
WOODFORD $420,680 $538,650 $651,050 $809,150