Kentucky Conventional Loan Requirements 2026: Credit, 3% Down, PMI & Limits

Kentucky conventional loan requirements for 2026: 620 credit, 3% down with HomeReady or Home Possible, PMI removal at 80%, the $832,750 loan limit, DTI, waiting periods and conventional vs FHA.

2026 Loan Limits in Kentucky: Conventional $832,750, FHA $541,287

Kentucky's 2026 loan limits: conventional conforming now $832,750 and FHA $541,287 in all 120 counties. Full 1-4 unit tables and effective dates.