FHA VS Conventional loan programs in Manchester, Clay County, Kentucky

In 2025, the conventional loan limit in Manchester, located in the county of Clay, KY, is $726,200. Meanwhile, the FHA loan limit for a single-family home stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loan options. Determine the needed income, credit score, reserves, and documents for qualification. Our sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA options, guiding you in selecting the most suitable program in KY for your financial objectives.

Assess loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Manchester, County of Clay, KY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table applies to the following zip codes: 40962

Explore Conventional and FHA Loan Options in Manchester, KY

The goal of Lendersa® is to help you secure the best Conventional, USDA, or FHA loan quickly and without stress. Start with one of three pathways that connect you to matching lenders and programs.

Results for Lendersa USDA loan requests and matches


  • Infinity Home Loans Group
  • 77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
  • Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.
  • Ronald Christopher and Associates Inc
  • 77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
  • Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,
  • Power 1 Financial
  • 77570 Springfield Lane, Suite M, Palm Desert, CA, 92211
  • At Power 1 Financial has 20+ years of experience in the mortgage industry. As a Mortgage Broker we can offer many types of loan programs through a variety of lenders. Banks and Mortgage Bankers are only able to offer limited in-house loan programs. Our number one priority is focusing on making customers for life!
  • Boiko Mortgage Company
  • 42280 Beacon Hill, Suite D-3, Palm Desert, CA, 92211
  • BMC help you with all of your residential lending needs. Whether your goal is to finance your new home or business or Refinance an existing residential property, BMC is the only stop you need to make. A dedicated and committed mortgage and loan professional, Ira Boiko has the knowledge and experience to help you through the loan process.
  • Vanmar Lending
  • 77824 Wildcat Drive, Palm Desert, CA, 92211
  • "Vanmar Lending was founded in 2012 by Kristen (Vance) Martinez and Carlos Martinez. It is a full-service mortgage lending company offering FHA, VA, USDA, Conventional and Jumbo loan programs. ​ The team’s mission and commitment is its dedication to facilitating the dream of home ownership by providing Five-Star Service."
  • Business Loan Lady
  • 56100 29 Palms Hwy, Yucca Valley, CA, 92284
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our mission is to serve our customers with honesty, integrity and competence.
  • Priscilla Guillen Home Loans
  • 74950 Highway 111, Indian Wells, CA, 92210
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • LTV Private Equity
  • 75280 Highway 111 Suite 101, Indian Wells, CA, 92210
  • LTV Private Equity is a locally owned company located in Indian Wells, California. With over 30 years of "Hard Money" experience within the LTV family, we have represented borrowers and lenders throughout the state of California.LTV personally inspects each property in question and gathers their own property data.
  • Heritage Home Loans
  • 1227 N Argonne Rd., Spokane, WA, 99212
  • We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.