2026 loan limits in Jefferson County, Kentucky
In Jefferson County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Jefferson County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Jefferson County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Jefferson County?
$541,287 for a one-unit home.
More for Jefferson County
Jefferson County property taxesFHA loan limits toolKentucky closing costsFairdale 40118 market dataFisherville 40023 market dataGlenview 40025 market dataLouisville 40202 market dataLouisville 40203 market dataLouisville 40204 market dataLouisville 40205 market dataLouisville 40206 market dataLouisville 40207 market dataLouisville 40208 market data
2026 limits from HUD’s county files (Louisville/Jefferson County, Ky-In). Conforming limits are set by the Federal Housing Finance Agency.