FHA VS Conventional loan in Middlesborough, Bell County, Kentucky

For 2026, the conventional loan limit available in Middlesborough, within the county of Bell, KY, is $726,200. The FHA limit for a single-family home is set at $472,030.

The Lendersa® Conventional loan calculator allows you to compare today's optimal rates across Conventional, FHA, and USDA loans. Determine your required income, credit, reserves, and essential documents for qualification. Our sophisticated mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding you in selecting the most suitable program in KY for your financial scenario.

Investigate loan offers from a group of 100 lenders

Understanding 2026 Loan Limits and Down Payment Requirements in Middlesborough, Bell, KY

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

This table is applicable to zip codes: 40965

Exploring Conventional and FHA Loan Options in Middlesborough, KY

The goal of Lendersa® is to connect you smoothly with the best possible Conventional, USDA, or FHA loan. Start by selecting one of three options that lead to matching lenders and loan programs tailored to your needs.

Summary of results for Lendersa USDA loan requests


Middlesborough Lenders

  • Hometown Bank
  • 1030 Cumberland Falls Hwy, Corbin, KY, 40701
  • Lends in Kentucky
  • Hometown Bank. Here, it’s always been about making you happy. We figure if everyone who walks through our door is greeted with a warm welcome and receives really helpful service, they’ll be back for more. With so many banks these days, we thought service seemed to be getting pushed out.

  • Alliance Home Mortgage
  • 583 W Laurel Rd, Suite 4, London, KY, 40741
  • Lends in Kentucky
  • At Alliance Home Mortgage Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are partnered with a very large lender in Polaris Home Funding