USDA Vs. FHA Pro and Con comparison in Ashland, Boyd County, KY

In the year 2025, the USDA loan limit for Ashland, county of Boyd, KY, is determined to be $336,500. Meanwhile, the FHA loan limit for a single-family home is set at $472,030, offering distinct benchmarks for homebuyers in this region.

Leverage the Lendersa® USDA loan calculator to effectively compare today’s best USDA versus FHA rates. This comprehensive tool helps you determine the necessary income, credit standing, reserves, and documents required to qualify. With our advanced mortgage calculator, seeing the USDA, FHA, Conforming, and VA options side by side, you can identify the best program for your financial requirements in Alabama.

Explore a wide variety of loan offers from a selection of 100 lenders

Exploring Loan Limits and Downpayment Requirements for 2025 in Ashland, Boyd, KY

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

Understanding USDA and FHA Loan Options in Ashland, KY

The mission of Lendersa® is to secure the ideal USDA or FHA loan for you quickly and without hassle. Choose one of three pathways designed to connect you with matching lenders and USDA loan programs tailored to fit your personal requirements.

Lendersa USDA loan request and matching results

What is a USDA Loan in KY?

The USDA home loan, guaranteed by the U.S. Department of Agriculture, is also commonly known as a USDA rural development loan or USDA mortgage. Available exclusively in rural neighborhoods, this loan provides a unique opportunity for those eligible. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them especially attractive for buyers in rural areas.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 116 East Campbell Avenue, Suite 5, Campbell, CA, 95008
  • CTM Pros team has always been dedicated to providing tailor-made mortgages for first-time home Buyers, move-up Buyers and investors, whether it is a purchase loan or refinance. Providing clients with mortgage services that meet the needs of both Buyer and Seller in a competitive market has given us a valuable edge over our competitors.
  • Bankers Network Corporation
  • 1875 South Bascom Avenue, Suite 2550, Campbell, CA, 95008
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Carlyle Mortgage Inc.
  • 1901 South Bascom Avenue, Suite 1410, Campbell, CA, 95008
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide loans to our clients while providing them with the great service. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.We know you have a lot of options when it comes to yourmortgage financing.
  • BeneGroup, Inc.
  • 1999 South Bascom Avenue, Suite 700, Campbell, CA, 95008
  • BeneGroup, Inc. provides Residential and Commercial Real Estate consulting and financing services to a broad range of national and international clientele. In the current lending market, with its dynamic and ever changing guidelines, you need a firm that is well versed with the current lending rules and legislative regulations to assist you.
  • Bayview Residential Brokerage
  • 51 E Campbell Avenue, Suite 110, Campbell, CA, 95008
  • "Bayview Residential provides home lending and real estate services as one of the largest independent mortgage and real estate brokerages in California and recently ranked as the number 10 mortgage brokerage in the US. Established in 2004, Bayview works with over 150 agents, 90 of whom are endorsed as Mortgage Loan Officers."
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  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.
  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.
  • Bay Cities Credit Union
  • 22777 Main St, Hayward, CA, 94541
  • Bay Cities Credit Union is located in Hayward, CA, United States and is part of the Depository Credit Intermediation Industry. Bay Cities Credit Union has 33 total employees across all of its locations and generates $2.27 million in sales (USD). There are 2 companies in the Bay Cities Credit Union corporate family.
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