With full entitlement
No limit
Veterans with full entitlement have no VA loan limit in Kentucky. With reduced entitlement, 2026 county limits in Kentucky range from $832,750 to $832,750 (Adair County).
$832,750highest county limit (Adair County)
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Kentucky (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Adair County | $832,750 | $541,287 |
| Allen County | $832,750 | $541,287 |
| Anderson County | $832,750 | $541,287 |
| Ballard County | $832,750 | $541,287 |
| Barren County | $832,750 | $541,287 |
| Bath County | $832,750 | $541,287 |
| Bell County | $832,750 | $541,287 |
| Boone County | $832,750 | $541,287 |
| Bourbon County | $832,750 | $541,287 |
| Boyd County | $832,750 | $541,287 |
| Boyle County | $832,750 | $541,287 |
| Bracken County | $832,750 | $541,287 |
| Breathitt County | $832,750 | $541,287 |
| Breckinridge County | $832,750 | $541,287 |
| Bullitt County | $832,750 | $541,287 |
| Butler County | $832,750 | $541,287 |
| Caldwell County | $832,750 | $541,287 |
| Calloway County | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Carlisle County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Carter County | $832,750 | $541,287 |
| Casey County | $832,750 | $541,287 |
| Christian County | $832,750 | $541,287 |
| Clark County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Clinton County | $832,750 | $541,287 |
| Crittenden County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| Daviess County | $832,750 | $541,287 |
| Edmonson County | $832,750 | $541,287 |
| Elliott County | $832,750 | $541,287 |
| Estill County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Fleming County | $832,750 | $541,287 |
| Floyd County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Fulton County | $832,750 | $541,287 |
| Gallatin County | $832,750 | $541,287 |
| Garrard County | $832,750 | $541,287 |
| Grant County | $832,750 | $541,287 |
| Graves County | $832,750 | $541,287 |
| Grayson County | $832,750 | $541,287 |
| Green County | $832,750 | $541,287 |
| Greenup County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Harlan County | $832,750 | $541,287 |
| Harrison County | $832,750 | $541,287 |
| Hart County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Hickman County | $832,750 | $541,287 |
| Hopkins County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Jessamine County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Kenton County | $832,750 | $541,287 |
| Knott County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| Larue County | $832,750 | $541,287 |
| Laurel County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lee County | $832,750 | $541,287 |
| Leslie County | $832,750 | $541,287 |
| Letcher County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Livingston County | $832,750 | $541,287 |
| Logan County | $832,750 | $541,287 |
| Lyon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Magoffin County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| Martin County | $832,750 | $541,287 |
| Mason County | $832,750 | $541,287 |
| McCracken County | $832,750 | $541,287 |
| McCreary County | $832,750 | $541,287 |
| McLean County | $832,750 | $541,287 |
| Meade County | $832,750 | $541,287 |
| Menifee County | $832,750 | $541,287 |
| Mercer County | $832,750 | $541,287 |
| Metcalfe County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Muhlenberg County | $832,750 | $541,287 |
| Nelson County | $832,750 | $541,287 |
| Nicholas County | $832,750 | $541,287 |
| Ohio County | $832,750 | $541,287 |
| Oldham County | $832,750 | $541,287 |
| Owen County | $832,750 | $541,287 |
| Owsley County | $832,750 | $541,287 |
| Pendleton County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pike County | $832,750 | $541,287 |
| Powell County | $832,750 | $541,287 |
| Pulaski County | $832,750 | $541,287 |
| Robertson County | $832,750 | $541,287 |
| Rockcastle County | $832,750 | $541,287 |
| Rowan County | $832,750 | $541,287 |
| Russell County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Simpson County | $832,750 | $541,287 |
| Spencer County | $832,750 | $541,287 |
| Taylor County | $832,750 | $541,287 |
| Todd County | $832,750 | $541,287 |
| Trigg County | $832,750 | $541,287 |
| Trimble County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Webster County | $832,750 | $541,287 |
| Whitley County | $832,750 | $541,287 |
| Wolfe County | $832,750 | $541,287 |
| Woodford County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Kentucky?
Veterans with full entitlement have no VA loan limit in Kentucky. With reduced entitlement, 2026 county limits in Kentucky range from $832,750 to $832,750 (Adair County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.