Explore the differences! FHA VS Conventional loan programs in Paducah, McCracken County, Kentucky
In the year 2026, the conventional loan limit in Paducah, located in the county of McCracken, KY, is $726,200. Meanwhile, the FHA limit for a single-family home is set at $472,030.
The Lendersa® Conventional loan calculator is designed to help you compare today's best rates on Conventional vs. FHA vs. USDA loans, determining the income, credit, reserves, and documents necessary for qualification. Utilize our advanced mortgage tool to view Conforming Conventional loans alongside USDA, FHA, and VA options, which aids in choosing the best program for your specific financial situation in KY.
Loan limits and downpayment requirements for 2026 in Paducah, McCracken, KY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to these zip codes: 42003
Variety of Conventional and FHA loan options in Paducah, KY
Lendersa® is committed to securing the optimal Conventional, USDA, or FHA loan for you promptly and without unnecessary hassle. Choose from three initial pathways to align with matching lenders and loan programs that suit your needs.
We're a nonprofit banking solution with a long standing commitment to the financial health and wellness of our community. We serve 11 counties throughout western Kentucky, providing savings, checking accounts, home loans, car loans and retirement planning options. With no stockholders or investors, Signet has the privilege
Paducah Bank is the only locally-owned community bank in Paducah, Kentucky, and is the top small business lender and top mortgage lender in its market. Paducah Bank was named the Best Place to Work in Kentucky among medium-sized companies in 2006 by the Kentucky Chamber of Commerce and the Kentucky Society for Human Resource Management.
Your Hometown Federal Credit Union has been open since 1965. The credit union has assets totaling $27.24 Million and provides banking services to more than 2,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
First Kentucky Bank was founded in Mayfield, Kentucky, on March 6, 1899, as The Exchange Bank. First Kentucky Bank was established with a foundation of community-minded service and professional excellence that has allowed it to grow throughout its rich history, in times of both prosperity and adversity.
River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
Citizens Deposit Bank is a community owned bank rooted in Western Kentucky. The bank was chartered by the Commonwealth of Kentucky in 1949 & continues to serve the needs of citizens of Carlisle, Hickman, Ballard & surrounding counties. Our reputation of being a hometown bank with excellent customer service is known throughout the counties we serve.
MSU Federal Credit Union was established in 1978, we are the longest standing financial institution in Calloway County Kentucky. We have a wide variety of financial services to help meet our members short term and long term financial goals. We proudly serve employees and family members of Murray State University
At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.
