FHA VS Conventional loan programs in Henderson, Henderson County, Kentucky
In the current year of 2025, the conventional loan limit in the city of Henderson, within Henderson county, KY, is $726,200, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate and compare the best rates today for Conventional, FHA, and USDA loans. Identify the necessary income, credit, reserves, and documents for qualification. This advanced mortgage tool allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you to choose the best program for your financial requirements in KY.
Understanding 2025 Loan Limits and Downpayment Needs in Henderson, Henderson, KY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Note: This table applies to the following zip codes: 42420, 42419
Options for Conventional and FHA Loans in Henderson, KY
Lendersa® aims to swiftly connect you with the best possible Conventional, USDA, or FHA loan with minimal hassle. Initiate the process by selecting one of three different pathways leading to matching lenders and loan programs that suit your needs.
At i-bank. A bank that is independent minded and not afraid to do things a little differently. A bank focused on customer service and the unique needs of each individual who banks with us. A bank that genuinely cares for our customers and strives to help each of them reach their goals and their own financial independence.
Wright-Patt Credit Union (WPCU), we make it easy. With Member Center locations in Southwest and Central Ohio, 40,000+ of lower-to-no-fee ATMs, thousands of Shared Branching locations nationwide, and an award winning mobile app, we give you all the conveniences you expect from a traditional bank.
Our team continues to service the mortgage needs of clients throughout Memphis and the Mid-South and has become the #1 ranked purchase loan lender in Memphis. As one of the few privately held and locally owned mortgage lenders, all decisions and funding are handled in-house enabling us to provide clients with superior service and lower rates.
Paragon Bank prides itself on offering superior service based on a combination of banking expertise and local knowledge. A full-service bank with a comprehensive package of banking solutions delivered both in person and online, Paragon bankers provide big bank products and capabilities with community bank personal service.
Spruill Global Funding LLC is dedicated to help business owners find the right loan products for commercial finance, refinancing your existing real estate, purchases, equipment purchasing, merchant cash advances and we offer an array of other products. We service the local Memphis, Cordova, Collierville areas.
We are a Lender, not a Broker. All loan decisions and fundings are handled by our in-house staff. By cutting out the middle person, most of the time known as a broker, you get better rates, faster answers, and lower closing costs. We encourage and empower our loan officers to issue “same day” approvals;
Family Security Credit Union offers many convenient online services from their website 24 hours a day. Family Security Credit Union's online banking allows members to save time and money with online bill pay, check account balances, order checks, make loan payments, view e-Statements.
Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.
