VA Loan Limits in Madison County, Kentucky (2026)
From Madison County, the 2026 VA county loan limit in Madison County is $832,750 (one unit) for partial-entitlement borrowers. It is the national conforming baseline.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
What can you buy with $0 down in Madison County?
A VA buyer near Madison County can put $0 down on a $230,000 home. Add the one-time funding fee (~$4,945, financed), skip mortgage insurance entirely, and the monthly cost runs about $1,726 at 6.25%.
$0-down VA payment scenarios in Madison County
Here is how a $0-down VA payment scales across Madison County price points (funding fee financed, no PMI, sample 6.25% rate):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $166,000 | $0 | $1,278 |
| Local median — $230,000 | $0 | $1,726 |
| Higher-end — $311,000 | $0 | $2,293 |
Estimates include the financed funding fee plus Kentucky property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Madison County too — get alerts.
VA multi-unit limits in Madison County
VA also finances 2-4 unit homes in Madison County with $0 down if you live in one unit — $1,066,150 for a duplex, $1,288,800 for a triplex, and $1,601,650 for a fourplex (partial-entitlement caps). Rent from the other units can help you qualify.
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Frequently Asked Questions
- What is the VA loan limit in Madison County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Madison County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Madison County?
- Eligible veterans can buy with no down payment at all. On a median $230,000 Madison County home that is $0 down, with a one-time funding fee of about $4,945 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Madison County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Madison County a high-cost VA county?
- No — Madison County uses the $832,750 national conforming baseline for partial entitlement.