New 2025 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans
The Federal Housing Finance Agency (FHFA) has announced increased loan limits for 2025, providing more opportunities for homebuyers in Kentucky. These higher limits apply to both conventional loans acquired by Kentucky Fannie Mae and Freddie Mac,Fannie Mae and Freddie Mac, as well as Kentucky FHA loans, making homeownership more accessible—especially for first-time homebuyers.
Starting January 1, 2025, the FHFA maximum conforming loan limit for a single-unit property will increase to $806,500, reflecting a 5.21% increase from 2024. This adjustment allows Kentucky homebuyers to borrow more under the conforming loan limit without moving into jumbo loan territory.
Simultaneously, the Federal Housing Administration (FHA) has also raised its loan limits, providing even more options for those seeking low down payment mortgage solutions.
Property Type Conventional Loan Limit (FHFA) FHA Loan Limit
1-Unit $806,500 $524,225
2-Unit $1,032,650 $671,200
3-Unit $1,248,150 $811,275
4-Unit $1,551,250 $1,008,300
These increases give Kentucky buyers greater flexibility to purchase or refinance homes, whether using a conventional loan or an FHA loan.
Key Dates to Remember
The new loan limits go into effect January 1, 2025.
Borrowers applying for loans that close in 2024 may still take advantage of the new limits as long as the loan closes on or after January 1, 2025.
Take Advantage of the New Limits
With these increased loan limits, Kentucky homebuyers can explore more options for financing their dream homes in 2025. Whether you’re interested in a conventional loan backed by Fannie Mae or Freddie Mac or an FHA mortgage with its low down payment and credit score flexibility, now is the time to act.
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Email - kentuckyloan@gmail.com 
Call/Text - 502-905-3708Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans
Website: www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204
Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916
For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.
