USDA and FHA Pro and Con in Barbourville, Knox County, KY

For 2026, the USDA loan limit in Barbourville, located in the county of Knox, KY, is $336,500. In contrast, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast today's top rates for USDA and FHA, and determine the necessary income, credit, savings, and paperwork to qualify. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, facilitating your decision on the best program in to suit your financial needs.

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Loan limits and down payment needs in Barbourville, county of Knox, KY for 2026

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

Explore USDA and FHA Loan Options in Barbourville, KY

Lendersa® is dedicated to helping you swiftly secure the optimal USDA or FHA loan with minimal hassle. Begin by choosing one of three paths to connect with matching lenders and USDA loan programs.

  1. Submit a request with USDA/FHA loan optimization
  2. Review USDA and FHA rates & terms before proceeding
  3. Access the largest database of USDA loan lenders
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Understanding USDA Loans in KY

The USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is strictly available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.

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  • Coast360 Federal Credit Unio
  • 450 Route 8, Hagatna, GU, 96910

  • Coast360 started on September 24, 1962 as Government of Guam Employees Federal Credit Union by a group of 20 government employees. At that time, their employer was their common bond. In 2008, the credit union was granted a charter that opened membership to everyone who lives or works on the island.

  • Hometown Bank
  • 1030 Cumberland Falls Hwy, Corbin, KY, 40701

  • 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.

  • The First National Bank of Manchester
  • 120 Town Square, Manchester, KY, 40962

  • The Comptroller of the Currency gave a charter to The First National Bank of Manchester on February 5, 1905. The first president was Civil War veteran Dr. I.S. Manning. In addition to his medical practice, he was a merchant, civic leader and superintendent of Clay County schools. He was one of Clay County's wealthiest citizens.

  • Alliance Home Mortgage
  • 583 W Laurel Rd, Suite 4, London, KY, 40741

  • 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

  • Commercial Bank
  • 6710 Cumberland Gap Parkway, Harrogate, TN, 37752

  • Commercial Bank is your neighborhood bank; and, we are a leading financial institution with the services, capabilities, and resources of regional and national banks.

    We understand that every customer has unique opportunities, challenges, and financial concerns. We don't expect you to fit in the same box as the next person or business.

  • Citizens Bank
  • 1850 Highway 27 South, Somerset, KY, 42501

  • Established in 1904, Citizens Bank grew along with the community that surrounded it. By 1910 the bank had grown in reputation and financial strength, which placed it among the top financial institutions in Southeastern Kentucky. In 1958 Mr. R.C. Anderson was appointed as bank President. Devoted to his work, his people, and his community

  • First & Farmers National Bank
  • 2020 South Highway 27, Somerset, KY, 42501

  • Our story began in February of 2008 with the incorporation of First & Farmers National Bank, but our roots in our four communities are much deeper.

    Our history can be traced back to Citizens Bank of Albany, located in Clinton County, KY, dating back to 1898; to First National Bank of Columbia, located in Adair County.

  • Cumberland Security Bank
  • 107 South Main Street, Somerset, KY, 42501

  • Cumberland Security Bank is a locally-owned community bank serving Pulaski County and surrounding counties. We invite you to stop in or give us a call so we can get to know you better. We can then discuss your specific goals and needs to find out how we can start making life better for you as your financial partner.

  • Citizens National Bank Kentucky
  • 44 Public Square, Somerset, KY, 42501

  • Citizens National Bank is a locally owned bank that has been serving the people of Pulaski County since 1920. We offer a wide range of products to help you achieve your financial goals, along with a high level of customer service and convenient locations. We have seven locations in Pulaski County, as well as one in Wayne County, Russell County.

  • Peoples Bank of the South
  • 106 West Central Ave, La Follette, TN, 37766

  • Peoples Bank of the South Founded in 1917,The Bank was founded on the same corner on which it now stands. It was not founded as a result of a planned course of action by a large group of bankers or financiers. Quite to the contrary, this bank is a result of a vision shared by two men of high character.

  • Realty Mortgage Services, LLC
  • 4378 Maynardville Hwy, Suite C, Knoxville, TN, 37807

  • Realty Mortgage Services, LLC, 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.

  • The First National Bank of Oneida
  • 18418 Alberta St., Oneida, TN, 37841

  • First National Bank of Oneida is dedicated to building partnerships and supporting progress since 1904. Blessed throughout the years with insightful visionaries and leaders with strong and sound philosophies, First National Bank is not only the oldest bank but also the only locally owned bank in Scott County
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