Kentucky FHA Condos: Complete 2026 List & Search Tool

Kentucky FHA Condo Map

Use the city quick links below to search FHA-approved condo areas in Kentucky. Always verify the exact project in the official HUD FHA condo search before making an offer.

Official FHA condo verification: Search HUD’s FHA condo database

Current Kentucky FHA Approved Condos by City

Louisville, Kentucky

Hikes Park Townhomes, A Condo
Anderson Park
Yorkwood Condominiums
Alta Place Condominium
Clark Place Condominiums, Inc
Colonial Hill Manor
Woods of St. Andrews
Cottages at Meadowview
Frankfort Place
The Pines, A Condominium
Springs of Glenmary Village
The Parkview Condominiums
The Tavner Condominiums
Eagle Pointe Patio Homes
Hite Avenue Gardens
Arbor Creek Condominiums
Woodmont Condominium
Crossings at Cooper Chapel
The Overlook @ Beargrass Creek
Spring Drive Condominiums
Colonial Woods Condominiums
Autumn Gardens Condominiums
Magnolia Ridge Condominiums
Crescent Spring Condominiums
Brookshire Village Condominium
Tudor Terrace
Bradford Commons Condominimum
Worthington Glen Condominiums

Lexington, Kentucky

Hamburg Farms Condominium

Florence, Kentucky

The Reserve at Saddlebrook
Tara at Plantation Pointe
Sherwood Lakes Condominiums

Covington, Kentucky

Siena East at Tuscany
Siena at Tuscany
Pienza at Tuscany Condominium

Cold Spring, Kentucky

Ivy Ridge Condominiums
Shadow Lake Condominium

Bellevue, Kentucky

Bellepointe Commons

Fort Thomas, Kentucky

Carriage House Condominiums

Alexandria, Kentucky

The Shire at Arcadia
Wellington Place Condominiums

Wilder, Kentucky

Village at Bentwood Hills

Highland Heights, Kentucky

Highland Meadows

Crescent Springs, Kentucky

The Hills at Crescent Springs

Burlington, Kentucky

Fairways at Meadowood Condo

Walton, Kentucky

Crossings at Walton Square

Crestwood, Kentucky

Madison Park Condominiums

Nicholasville, Kentucky

Brannon Reserve

Owensboro, Kentucky

Quail Ridge Phase 11

Hardinsburg, Kentucky

Hillside Condominium

Louisville / Shelby County entry

Spring Arbor

Statewide Kentucky FHA Condo Inventory by County

Boone County: 81
Breckinridge County: 1
Campbell County: 42
Daviess County: 2
Fayette County: 1
Jefferson County: 51
Jessamine County: 1
Kenton County: 45
Nelson County: 1
Oldham County: 1
Shelby County: 2

Total current approved Kentucky FHA condo entries shown in live index: 228

Important FHA Condo Disclaimer

FHA condo approvals can expire, be withdrawn, or be re-approved. Always confirm the condo’s exact status, phase, and expiration date in HUD’s official FHA condo search tool before submitting an offer, issuing final pre-approval, or ordering the appraisal.

Kentucky FHA Approved Condo List

If you are buying a condominium in Kentucky with an FHA loan, the project typically must be approved on HUD’s FHA condominium list before the loan can close.

This page includes a historical Kentucky condo reference list based on a prior HUD condo export. Because FHA condo approvals can expire, be withdrawn, or be updated, always verify the condo’s current approval status in HUD’s live FHA condo search before writing an offer or completing final loan approval.

Check the current FHA condo approval status on HUD’s official lookup tool

Important FHA Condo Approval Notice

Condo approvals are not permanent. A project that appeared on a prior HUD-approved list may no longer be active today. Buyers, Realtors, and loan officers should verify the exact condo project name, condo ID, phase, and current approval status directly through HUD before moving forward.

Historic Kentucky FHA Condo Reference List

Source reference date from prior HUD export: September 27, 2019.

Condo Name	City	County	Condo ID	Status at Time of Export	Expiration Date Shown
Arbor Creek Condominiums	Louisville	Jefferson	A002562-001	Approved	11/30/2019
Autumn Gardens Condominiums	Louisville	Jefferson	A002616-001	Approved	12/11/2019
Autumn Trace Condominimum	Louisville	Jefferson	A002589-001	Approved	11/29/2019
Baxter Loop Condominiums	Louisville	Jefferson	A007952-001	Approved	05/21/2021
Bellebrook Ridge Condominiums	Bellevue	Campbell	A007864-001	Approved	03/14/2020
Bellepointe Commons	Bellevue	Campbell	A006253-001	Approved	02/06/2021
Bradford Commons Condominimum	Louisville	Jefferson	A002615-001	Approved	09/11/2021
Brookshire Village Condominium	Louisville	Jefferson	A002561-001	Approved	08/23/2021
Cantering Hills @ Steeplechase	Walton	Boone	A002597-001	Approved	02/12/2021
Carriage House Condominiums	Fort Thomas	Campbell	A005911-001	Approved	02/14/2021
Citation Pointe	Lexington	Fayette	A002595-001	Approved	05/10/2020
Emerald Springs	Crescent Springs	Kenton	A002543-001	Approved	05/09/2020
Fairways at Meadowood Condo	Burlington	Boone	A002579-001	Approved	02/12/2021
Worthington Glen Condominiums	Louisville	Jefferson	A002684-001	Approved	08/22/2021

How to Verify an FHA Condo in Kentucky

Go to the official HUD FHA condo search tool.
Search by condo name, city, county, or ZIP code.
Confirm the exact project name and phase number.
Make sure the status is currently active or approved.
Review any notes or comments tied to the project.

Need Help Buying a Kentucky Condo with FHA?

If you are buying a condo in Louisville, Lexington, Northern Kentucky, or anywhere in Kentucky, I can help you review whether the project appears to meet FHA financing guidelines and walk you through the next steps for pre-approval.

Joel Lobb
Mortgage Broker
NMLS #57916

8 thoughts on “Kentucky FHA Condos: Complete 2026 List & Search Tool”

Louisville Kentucky Mortgage says:

04/15/2014 at 5:38 pm

FHA Approved Condo List Louisville Kentucky #Jefferson County#

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Michael Weeden says:

02/18/2015 at 12:35 am

For an updated list of FHA approved condos in Louisville, KY try http://www.homebuyerwise.com/FHA-Approved-Condos/city/Louisville-KY_9354 for 24/7 access

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Louisville Kentucky Mortgage says:

03/12/2017 at 12:48 pm

Reblogged this on Louisville Kentucky Mortgage Rates and commented:

FHA Approved Condo List Louisville Kentucky Jefferson County

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Louisville Kentucky Mortgage says:

10/30/2017 at 12:53 am

FHA Approved Condo List Louisville Kentucky Jefferson County

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Pingback: FHA Approved Condo List Louisville Kentucky Jefferson County – Louisville Kentucky Mortgage Loans
Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans says:

07/28/2018 at 6:51 pm

Rates

How are rates determined?
Interest rates are influenced by the financial markets and can change multiple times a day. The changes are based on many different economic indicators such as inflation, economic reports, Federal Reserve policies, etc.
What are points or discount points?
Points are an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount. For example, 2 points, means a charge of 2% of the loan amount. Many borrowers elect to pay points to purchase a rate that is lower than the current market average.
Why is the APR different than the rate?
The Annual Percentage Rate (APR) is not what your monthly payment is calculated with. The APR shows you what the cost of the loan is, expressed in a percentage format, over the entire life of the loan. Pre-paid finance charges and closings costs, title company charges and pre-paid interest on your loan are included in calculating the APR.
What is a Rate Lock?
A rate lock is a contractual agreement between the lender and buyer and is the interest rate you will receive on your loan program. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

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Serving Louisville, Lexington, Bowling Green, Owensboro, Paducah & all 120 Kentucky counties

Kentucky Mortgage Broker for FHA, VA, USDA Rural Housing, KHC Down Payment Assistance & Conventional Loans

I’m Joel Lobb (NMLS #57916), a lifelong Kentucky resident with 20+ years in lending, and I’ve helped over 1,300 Kentucky families buy or refinance their homes.
My approach is straightforward: honest guidance, responsive service, and a clean path to closing.

Call/Text 502-905-3708

Email Joel

Start a Free Pre-Approval

Free, no-pressure guidance. Quick pre-approvals often within 6 hours. Typical closings 15–30 /apply/days (timeline depends on underwriting, appraisal, title, and program requirements).

Why Kentucky Borrowers Choose a Mortgage Broker Over a Big Bank

If you’ve ever felt like a “file number” at a large bank, you’re not alone. Many mega-banks only offer their in-house loan products. That can be fine when a borrower fits perfectly inside their boxes.
But in real life, Kentucky borrowers often have unique situations: variable income, overtime, self-employed income, VA eligibility, rural properties, KHC down payment assistance needs, or credit rebuilding after life events.

As an independent mortgage broker, I can shop your loan through a network of mortgage lenders to identify competitive rate options and program solutions that may not be available at a single bank.
In practical terms, that means more flexibility and a better chance of matching your goals with the right underwriting lane.

Access to multiple lender options instead of “one bank, one deal.”
Program-fit strategy for FHA, VA, USDA Rural Housing, KHC, and Conventional.
Direct, responsive communication and fewer last-minute surprises.
Clear guidance on credit, income, assets, and documentation from day one.

Bottom line: my job is not to “sell” you a loan. My job is to structure the right mortgage plan and help you close on time with confidence.

Serving All 120 Kentucky Counties

Kentucky is diverse — from Louisville and Lexington to small towns and rural communities statewide. I proudly serve borrowers in every region of the Commonwealth, including:
Jefferson County, Fayette County, Warren County, Kenton County, Boone County, Campbell County, Hardin County, Bullitt County, Oldham County, Christian County, McCracken County, Daviess County, and all 120 counties in Kentucky.

If you’re purchasing in Kentucky, refinancing in Kentucky, or relocating to Kentucky, you can call or text me directly at 502-905-3708.

Kentucky Home Loan Programs I Offer

FHA Loans in Kentucky

FHA loans are popular for first-time buyers and borrowers who need flexible credit guidelines and low down payment options. FHA financing may be a strong fit if you’re rebuilding credit,
have limited savings, or need a program designed for accessibility.

Learn more on my FHA page: Kentucky FHA Loans.

VA Loans in Kentucky

VA loans are a powerful benefit for eligible Veterans, active-duty service members, and certain surviving spouses. VA financing can offer strong terms, including potential zero down options and competitive pricing.
If you’re moving to Kentucky from another state or buying your first home using VA, I’ll guide you through eligibility, documentation, and a smooth closing plan.

Learn more here: Kentucky VA Home Loans.

USDA Rural Housing Loans (100% Financing Eligible Areas)

USDA Rural Housing loans can provide 100% financing for eligible properties and borrowers — making it one of the strongest no-down-payment options in Kentucky.
Many borrowers are surprised how many areas qualify, even near larger cities.

Get details here: Kentucky USDA Rural Housing Loans.

KHC Down Payment Assistance Programs

Kentucky Housing Corporation (KHC) programs can help qualified buyers who need down payment assistance. These options can be especially helpful for first-time homebuyers who have stable income
but need help bridging the cash-to-close gap.

Learn more here: KHC Down Payment Assistance.

Fannie Mae Conventional Loans

Conventional financing through Fannie Mae can be an excellent fit for borrowers with stronger credit profiles, stable income, and long-term homeownership goals.
It can also be the right option for certain refinances depending on the situation.

Learn more: Kentucky Conventional Loans.

What Makes My Process Different

A mortgage is not just an interest rate. It’s underwriting strategy, documentation, timeline management, communication, and problem-solving.
My process is designed to reduce stress and increase certainty.

Fast, clear pre-approvals

I move quickly, but I do not cut corners. You’ll get a plan built on documentation and realistic underwriting expectations.

Direct access to me

You can call or text me directly. No call centers. No getting passed from person to person.

Transparency from day one

If there’s a problem, you’ll know early. If something is borderline, we address it up front.

Closing execution

The goal is a predictable closing timeline with strong communication between you, your agent, title, and underwriting.

Free, Honest Second Opinions Are Welcome

If you already have a loan estimate from a bank or another lender, I’m happy to compare it and explain what it means in plain English.
Many borrowers don’t realize how rate, points, lender fees, mortgage insurance, and program fit impact the real cost of the loan.

If you want a straight answer, you’ll get one. If your current quote is strong, I’ll tell you that too. My goal is for you to make a confident decision.

Ready for a Kentucky Mortgage Pre-Approval?

Call or text me directly at 502-905-3708, or start your free pre-approval online.

Start a Free Pre-Approval
Read Client Reviews

You will receive honest, up-front guidance with a clear next-step plan.

Common Questions Kentucky Homebuyers Ask

How fast can I get pre-approved?

In many cases, I can turn around a pre-approval within 6 hours once I have the core documentation needed.
Timing can vary depending on complexity, income type, and documentation.

How long does it take to close a mortgage in Kentucky?

Many purchases close in 15–30 days, but timelines depend on the appraisal, title work, underwriting conditions, and program requirements.
My process focuses on minimizing delays through accurate upfront planning and fast communication.

Do you offer no-down-payment options?

Yes. VA loans and USDA Rural Housing loans may offer eligible borrowers a path to 0% down.
Eligibility depends on program guidelines, income, credit, and (for USDA) property location.

Can you help if I was denied by a bank?

Often, yes. A denial is not always the end — it may be a program-fit issue, documentation issue, or lender guideline mismatch.
I’ll review the situation and give you a clear plan for next steps, even if that means improving credit, adjusting the structure, or selecting a different program.

Website Fine Print
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer.

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
Legal Disclaimer

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

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