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.

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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.

USDA loan requests and matching results at Lendersa


  • COLONIAL MORTGAGE ADVISORS LLC
  • 625 W Ridge Pike, Conshohocken, PA, 19428
  • Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity. We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution.

  • Upper Darby Belltelco Federal Credit Union
  • 1410 Bywood Avenue, Upper Darby, PA, 19082
  • The Mission Statement of the UDBell Federal Credit Union has been since its inception in 1940 and continues to be one of SERVICE to its membership. It still believes in the national credit union credo of “not for profit, not for charity, but for service”. All our goals are dedicated to providing a financially sound.

  • Forge Federal Credit Union
  • 1402 Bywood Avenue, Upper Darby, PA, 19082
  • At Forge Credit Union, we understand everyone has different financial needs. That's why we offer a wide variety of miscellaneous services to help meet those needs. When you become a member of Forge Credit Union, you are joining the family of thousands that depend on us for excellent member service.

  • The First National Bank of Gilbert
  • 2 North Broadway, Gilbert, MN, 55741
  • We offer a wide variety of checking accounts and savings plans to suit your special needs. As we are an independent bank serving the Iron Range area since 1908, our products and services are designed for customers within our local community. We're here to serve you, in a prompt, efficient, and friendly manner.

  • People First
  • 740 Hamilton Street, Suite 300, Allentown, PA, 18101
  • People First Federal Credit Union is a not-for-profit and member-owned, caring provider of financial services. We are dedicated to helping the people of the Lehigh Valley and beyond improve their lives and secure a better future. Our mission is to provide the highest quality of financial services in a friendly, convenient

  • Lehigh County Employees Federal Credit Union
  • 455 Hamilton Street, Allentown, PA, 18101
  • Formed in 1965, the credit union is open to Lehigh County employees, employees of the credit union, elected and appointed officials of Lehigh County, persons retired as pensioners from the above stated employment, relatives of persons who are deceased but were members during their lifetime, and family members of an employee or a member.

  • Biz Hub Financial, LLC
  • 1101 Hamilton Street, Suite 305, Allentown, PA, 18101
  • Biz Hub Financial is a Commercial Brokerage Firm that specializes in Emergency Funding, Cash Flow Funding, Factoring, SBA and Commercial Real Estate Lending.

    Our team has formed a new firm that keeps up with the latest trend in lending allowing you, our client, to have access to the funds you need when you need it.

  • Cayuga Lake National Bank
  • 165 Cayuga Street, Union Springs, NY, 13160
  • Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.

  • Roscoe State Bank
  • 117 Cypress St, Roscoe, TX, 79545
  • Roscoe State Bank's long history of growth and stability is directly tied to its unique culture, where we believe in treating our customers like neighbors. As you enter our bank we want to greet you as if it was across the fence of your backyard. We provide banking services that answer to where you are in your life.

  • Rock Hill Financial LLC
  • 822 Montgomery Avenue, Suite 312, Narberth, PA, 19072
  • In our experience, the funding of a loan does not end the interaction we have with, you, our customer. Our intent is to build an ongoing relationship with our clients. We want to make sure that we meet your current financial requirements as well as planning for future hopes and dreams.

  • Northampton Area School District Employees Credit Union
  • 2014 Laubach Avenue, Northampton, PA, 18067
  • A Credit Union is organized by members of a group having a common bond. The Northampton Area School District Employees Federal Credit Union is comprised of public school employees, this being the common bond. The Northampton Area School District Employees Federal Credit Union began in 1939.

  • Philadelphia Mortgage Advisors, Inc.
  • 600 W. Germantown Pike, Suite 270, Plymouth Meeting, PA, 19462
  • Philadelphia Mortgage Advisors is an independent mortgage lender licensed in Pennsylvania, New Jersey, Delaware, Florida, Maryland and Virginia. At Philadelphia Mortgage Advisors we believe – and recent history has shown - that in the banking and mortgage industry, bigger is not always better. We are a group of mortgage professionals