VA loans in Lexington.
The Fayette County figure on this page is a county reference only, not an address-based lookup for Lexington. Confirm the property's county before relying on it.
Fayette County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Fayette County (FIPS 21067)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Fayette County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Lexington. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionLexington floodplain: use the LFUCG viewer, and don't assume no past flood means no risk
Lexington-Fayette Urban County Government points buyers to the FEMA Map Service Center, the LFUCG Flood Hazard Zone Viewer, or Planning staff to see flood risk for a property. It bluntly advises buyers not to rely on a real estate agent to know about flood risk, and warns that a property with no past flooding may still flood in the future.
Locally, floodplain areas are regulated by Article 19 of the Zoning Ordinance together with FEMA and Kentucky Division of Water requirements, and Planning reviews new development plans for nearby floodplains. Practical step: check the LFUCG viewer yourself for any house near a creek, and ask Planning how Article 19 would affect an addition or fence before you close.
Fayette County PVA homestead for disabled owners: expect an annual check that payments continue
The Fayette County PVA explains that Kentucky's homestead exemption applies to owners who are 65 or older during the year or who are disabled, and who own and occupy the home as their primary residence. A disabled applicant must be classified as totally disabled under a public or private retirement system, receive disability payments from it, and keep that classification for the whole year.
The PVA accepts a disability declaration letter from the retirement system as proof, and it asks each year for verification that the payments continue. Only one exemption is allowed per residence and per person. Practical step: after buying in Lexington, send the one-page application with your award letter to the PVA, and keep a current letter for the yearly check.
- FHFA — Conforming loan limit values
- Lexington-Fayette Urban County Government — Floodplains and flood management
- Fayette County PVA — Homestead Exemption
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in KY.
$0 down in Lexington. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of KY veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Lexington, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Lexington purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Lexington — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Lexington is Fayette County (FIPS 21067), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Lexington with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Lexington — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.