2025 Kentucky FHA Loan Requirements & Limits
2025 Kentucky FHA Loan Requirements & Loan Limits
Updated for 2025! FHA loan limits are higher across Kentucky. The new single-family limit is $524,225—an increase of $25,968 from last year. That means you can buy more home with just 3.5% down!
FHA Loan Requirements in Kentucky – 2025 Snapshot
Minimum Credit Score: 580+ (3.5% down); 500–579 (10% down)
Minimum Down Payment: 3.5% (with 580+ score)
Debt-to-Income (DTI) Ratio: Typically up to 57% (with strong credit)
Bankruptcy Wait Period: 2 years from Chapter 7 discharge, 1 year for Chapter 13 (with on-time payments)
Foreclosure Wait Period: 3 years
Loan Limits: $524,225 (1-unit); $671,200 (2-unit); $811,275 (3-unit); $1,008,300 (4-unit)
Property Type: Must be your primary residence
Loan Insurance: Upfront (UFMIP) + monthly MIP required
