2013 Kentucky USDA and Rural Housing Income Limits

Kentucky Single Family Housing Guaranteed Loan Program

 

 

2013 Kentucky GUARANTEED HOUSING PROGRAM INCOME LIMITS
STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Bowling Green, KY MSA
VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cincinnati-Middletown, OH-KY-IN MSA
Cincinnati-Middleton, OH-KY-IN HUD Metro FMR Area
VERY LOW INCOME 25000 28550 32100 35650 38550 41400 44250 47100
LOW INCOME 39950 45650 51350 57050 61600 66200 70750 75300
MOD.INC-GUAR.LOAN 82000 82000 82000 82000 108250 108250 108250 108250
Grant County, KY HUD Metro FMR Area
VERY LOW INCOME 19200 21950 24700 27450 29650 31850 34050 36250
LOW INCOME 30750 35100 39500 43900 47400 50900 54450 57950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clarksville, TN-KY MSA
Clarksville, TN-KY HUD Metro FMR Area
VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Elizabethtown, KY MSA
VERY LOW INCOME 20000 22850 25700 28550 30850 33150 35450 37700
LOW INCOME 32000 36550 41150 45700 49350 53000 56650 60300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Evansville, IN-KY MSA
Evansville, IN-KY HUD Metro FMR Area
VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Huntington-Ashland, WV-KY-OH MSA
VERY LOW INCOME 17800 20350 22900 25400 27450 29500 31500 33550
LOW INCOME 28450 32500 36600 40650 43900 47150 50400 53650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lexington-Fayette, KY MSA
VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 77200 77200 77200 77200 101900 101900 101900 101900

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 110
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Louisville, KY-IN MSA
Spencer County, KY SEA
VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Louisville-Jefferson County, KY-IN MSA
Louisville, KY-IN HUD Metro FMR Area
VERY LOW INCOME 22350 25550 28750 31900 34500 37050 39600 42150
LOW INCOME 35750 40850 45950 51050 55150 59200 63300 67400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Meade County, KY HUD Metro FMR Area
VERY LOW INCOME 18300 20900 23550 26150 28250 30350 32450 34500
LOW INCOME 29300 33500 37650 41850 45200 48550 51900 55250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Nelson County, KY HUD Metro FMR Area
VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Shelby County, KY HUD Metro FMR Area
VERY LOW INCOME 25550 29200 32850 36500 39450 42350 45300 48200
LOW INCOME 40900 46700 52550 58400 63050 67750 72400 77100
MOD.INC-GUAR.LOAN 83950 83950 83950 83950 110800 110800 110800 110800
Owensboro, KY MSA
VERY LOW INCOME 20100 22950 25800 28650 30950 33250 35550 37850
LOW INCOME 32100 36700 41250 45850 49500 53200 56850 60500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Adair County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Allen County, KY
VERY LOW INCOME 16750 19150 21550 23900 25850 27750 29650 31550
LOW INCOME 26800 30600 34450 38250 41300 44350 47450 50500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 111
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Anderson County, KY
VERY LOW INCOME 23600 27000 30350 33700 36400 39100 41800 44500
LOW INCOME 37750 43100 48500 53900 58200 62500 66850 71150
MOD.INC-GUAR.LOAN 77500 77500 77500 77500 102300 102300 102300 102300
Ballard County, KY
VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Barren County, KY
VERY LOW INCOME 18050 20600 23200 25750 27850 29900 31950 34000
LOW INCOME 28850 32950 37100 41200 44500 47800 51100 54400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bath County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bell County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Boyle County, KY
VERY LOW INCOME 19400 22150 24900 27650 29900 32100 34300 36500
LOW INCOME 31000 35400 39850 44250 47800 51350 54850 58400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Breathitt County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Breckinridge County, KY
VERY LOW INCOME 16950 19400 21800 24200 26150 28100 30050 31950
LOW INCOME 27100 30950 34850 38700 41800 44900 48000 51100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Butler County, KY
VERY LOW INCOME 16050 18350 20650 22900 24750 26600 28400 30250
LOW INCOME 25650 29300 33000 36650 39600 42500 45450 48400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 112
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Caldwell County, KY
VERY LOW INCOME 18000 20550 23100 25650 27750 29800 31850 33900
LOW INCOME 28750 32850 36950 41050 44350 47600 50900 54200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Calloway County, KY
VERY LOW INCOME 20150 23000 25900 28750 31050 33350 35650 37950
LOW INCOME 32200 36800 41400 46000 49700 53350 57050 60700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carlisle County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County, KY
VERY LOW INCOME 19950 22800 25650 28500 30800 33100 35350 37650
LOW INCOME 31900 36500 41050 45600 49250 52900 56550 60200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carter County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Casey County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clinton County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crittenden County, KY
VERY LOW INCOME 17150 19600 22050 24450 26450 28400 30350 32300
LOW INCOME 27350 31300 35200 39100 42250 45350 48500 51600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 113
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Cumberland County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Elliott County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Estill County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fleming County, KY
VERY LOW INCOME 17100 19550 22000 24400 26400 28350 30300 32250
LOW INCOME 27350 31250 35150 39050 42150 45300 48400 51550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Floyd County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County, KY
VERY LOW INCOME 23400 26750 30100 33400 36100 38750 41450 44100
LOW INCOME 37400 42750 48100 53450 57750 62000 66300 70550
MOD.INC-GUAR.LOAN 76850 76850 76850 76850 101450 101450 101450 101450
Fulton County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Garrard County, KY
VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Graves County, KY
VERY LOW INCOME 17100 19550 22000 24450 26400 28350 30300 32250
LOW INCOME 27350 31300 35200 39100 42250 45350 48500 51600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 114
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Grayson County, KY
VERY LOW INCOME 16350 18650 21000 23300 25200 27050 28900 30800
LOW INCOME 26100 29850 33550 37300 40300 43250 46250 49250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Green County, KY
VERY LOW INCOME 17200 19650 22100 24550 26550 28500 30450 32450
LOW INCOME 27500 31450 35350 39300 42450 45600 48750 51900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harlan County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harrison County, KY
VERY LOW INCOME 19250 22000 24750 27500 29700 31900 34100 36300
LOW INCOME 30800 35200 39600 44000 47500 51050 54550 58100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hart County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hickman County, KY
VERY LOW INCOME 19450 22200 25000 27750 30000 32200 34450 36650
LOW INCOME 31100 35500 39950 44400 47950 51500 55050 58600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hopkins County, KY
VERY LOW INCOME 18350 21000 23600 26200 28300 30400 32500 34600
LOW INCOME 29350 33500 37700 41900 45250 48600 51950 55300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Johnson County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 115
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Knott County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Knox County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Laurel County, KY
VERY LOW INCOME 16150 18450 20750 23050 24900 26750 28600 30450
LOW INCOME 25850 29500 33200 36900 39850 42800 45750 48700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Leslie County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Letcher County, KY
VERY LOW INCOME 15900 18150 20400 22650 24500 26300 28100 29900
LOW INCOME 25400 29000 32650 36250 39150 42050 44950 47850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewis County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 116
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Livingston County, KY
VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Logan County, KY
VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lyon County, KY
VERY LOW INCOME 18100 20700 23300 25850 27950 30000 32100 34150
LOW INCOME 28950 33100 37200 41350 44650 47950 51250 54600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Madison County, KY
VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Magoffin County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marion County, KY
VERY LOW INCOME 18200 20800 23400 26000 28100 30200 32250 34350
LOW INCOME 29100 33300 37450 41600 44950 48250 51600 54900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marshall County, KY
VERY LOW INCOME 19750 22550 25350 28150 30450 32700 34950 37200
LOW INCOME 31550 36050 40550 45050 48650 52250 55850 59450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Martin County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mason County, KY
VERY LOW INCOME 17500 20000 22500 24950 26950 28950 30950 32950
LOW INCOME 27950 31900 35900 39900 43100 46300 49500 52650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 117
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

McCracken County, KY
VERY LOW INCOME 21050 24050 27050 30050 32500 34900 37300 39700
LOW INCOME 33650 38500 43300 48100 51950 55800 59650 63500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McCreary County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Menifee County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mercer County, KY
VERY LOW INCOME 20550 23450 26400 29300 31650 34000 36350 38700
LOW INCOME 32850 37500 42200 46900 50650 54400 58150 61900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Metcalfe County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery County, KY
VERY LOW INCOME 18200 20800 23400 25950 28050 30150 32200 34300
LOW INCOME 29050 33200 37350 41500 44800 48150 51450 54800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morgan County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Muhlenberg County, KY
VERY LOW INCOME 16000 18300 20600 22850 24700 26550 28350 30200
LOW INCOME 25600 29250 32900 36550 39450 42400 45300 48250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 118
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Nicholas County, KY
VERY LOW INCOME 16150 18450 20750 23050 24900 26750 28600 30450
LOW INCOME 25850 29500 33200 36900 39850 42800 45750 48700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ohio County, KY
VERY LOW INCOME 16300 18600 20950 23250 25150 27000 28850 30700
LOW INCOME 26050 29750 33500 37200 40200 43150 46150 49100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Owen County, KY
VERY LOW INCOME 20350 23250 26150 29050 31400 33700 36050 38350
LOW INCOME 32550 37200 41850 46500 50200 53950 57650 61400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Owsley County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Perry County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Powell County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pulaski County, KY
VERY LOW INCOME 15700 17950 20200 22400 24200 26000 27800 29600
LOW INCOME 25100 28700 32250 35850 38700 41600 44450 47300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Robertson County, KY
VERY LOW INCOME 18200 20800 23400 25950 28050 30150 32200 34300
LOW INCOME 29050 33200 37350 41500 44800 48150 51450 54800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 119
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Rockcastle County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rowan County, KY
VERY LOW INCOME 16550 18900 21250 23600 25500 27400 29300 31200
LOW INCOME 26450 30200 34000 37750 40750 43800 46800 49850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Russell County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Simpson County, KY
VERY LOW INCOME 19300 22050 24800 27550 29800 32000 34200 36400
LOW INCOME 30850 35300 39700 44100 47650 51150 54700 58200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Taylor County, KY
VERY LOW INCOME 16400 18750 21100 23400 25300 27150 29050 30900
LOW INCOME 26200 29950 33700 37450 40450 43450 46450 49450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Todd County, KY
VERY LOW INCOME 16950 19400 21800 24200 26150 28100 30050 31950
LOW INCOME 27100 30950 34850 38700 41800 44900 48000 51100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County, KY
VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington County, KY
VERY LOW INCOME 18550 21200 23850 26450 28600 30700 32800 34950
LOW INCOME 29600 33850 38050 42300 45700 49050 52450 55850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT
02/07/2013 SPECIAL PN RD INSTRUCTION 1980-D, EXHIBIT C PAGE 120
GUARANTEED HOUSING PROGRAM INCOME LIMITS

STATE:KENTUCKY ——————- A J U S T E D I N C O M E L I M I T S ——————

P R O G R A M 1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON*

Whitley County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wolfe County, KY
VERY LOW INCOME 15650 17900 20150 22350 24150 25950 27750 29550
LOW INCOME 25050 28600 32200 35750 38600 41450 44350 47200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

* ADD 8% OF 4 PERSON LIMIT FOR EACH PERSON IN EXCESS OF 8 PERSONS
** MODERATE INCOME IS DEFINED AS THE GREATER OF 115% OF THE U.S. MEDIAN FAMILY INCOME OR 115% OF THE AVG.
OF THE STATE-WIDE AND STATE NON-METRO MEDIAN FAMILY INCOMES OR 115/80THS OF THE AREA LOW-INCOME LIMIT

Author: Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans

I have helped over 589 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process. I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process. Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications. Email me at kentuckyloan@gmail.com with your questions I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance. Customer Testimonials 😍😍😍 We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel's website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services. Angela Forsythe "We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2016 Monica Leinhardt "We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan. Kayle Griffin “Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010 Tim Beck “Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010 Nancy Nalley “I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012 Jon ClarK “Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011 RICHARD VOLZ , Residential Sales , Remax Foursquare Realty “When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010 Stacie Drake "We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else." Melody Glasscock March 2014 Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn't expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS. Cee Bellisle August 2017 Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours. Anderson Johnson April 2018 Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you Patty Locker We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area. pam dolby I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early. larry summit I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel . Joel Lobb Senior Loan Officer American Mortgage Solutions, Inc. 10602 Timberwood Circle Suite 3 Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ Company ID #1364 | MB73346E This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. http://www.nmlsconsumeraccess.org/ Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. NMLS#57916 http://www.nmlsconsumeraccess.org/ . The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

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