USDA Vs. FHA Pro and Con comparison in Bardstown, Nelson County, KY
In 2026, the USDA loan cap in Bardstown, within Nelson county, KY, is $336,500. Meanwhile, for a single-family home, the FHA limit stands at $472,030.
Leverage the Lendersa® USDA loan calculator to effectively compare today's leading USDA versus FHA rates. Use it to determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, helping you decide which Alabama program caters best to your financial situation.
2026 Loan Limits and Downpayment Requirements in Bardstown, Nelson, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Bardstown, KY
The mission of Lendersa® is to secure the best USDA or FHA loan for you rapidly, without hassle. You can choose from one of three starting points to connect with matching lenders and discover appropriate USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available in rural areas only. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA loan requires no down payment at all, offering significant advantages for eligible borrowers.
Town & Country Bank and Trust Co., headquartered in Bardstown, KY, has been serving the Central Kentucky community for over 100 years. We are a locally owned and operated, full-service, community bank offering exceptional products and services to consumer and business customers. We also offer wealth management services through our Trust division.
Wilson & Muir Bank & Trust Company is dedicated to professional and reliable service, delivered with integrity, to fulfill the banking needs of its clients.
With our rich history and generations of experience, WMB continues to guide our clients toward their financial objectives.
"JPMortgage Company is committed to providing you with the best and lowest mortgage rates and closing costs available.
Our experienced JP Mortgage Company Professionals can help you make an informed, educated decision on your mortgage anywhere in the State of Kentucky or Indiana."
Springfield State Bank is the only bank in Washington County that is owned and operated by local shareholders who live and work. Chartered in 1910 & still going strong, Springfield State Bank is proud to be an independent, community bank. We strive to remain independent so we may deliver a superior quality of banking services.
The Lincoln National Bank is a community bank and we take personal pride in giving one on one, friendly service for all your banking needs. We are a full service bank and offer a variety of checking, savings and loan products and other services. We've been committed to serving Hodgenville, LaRue County and the surrounding area since 1889.
Magnolia Bank is a community bank established in 1919 with a strong commitment to excellent customer service. This approach to banking is what we were founded on and what has allowed us to grow and serve new markets. At our banking centers in KY, we offer a variety of financial services to meet all your personal and business banking needs.
Peoples Bank is a Kentucky owned community bank founded in 1910. The world has changed a lot since then. One thing that hasn’t changed is the importance of good old fashioned personalized attention. Banking is still a people business that involves relationships, trust and dependability. Our experienced bankers will be happy to assist you with your
Citizens National Bank was formed March 9, 1889 when its shareholders purchased the National Bank of Lebanon and located its operations in a portion of the same building that our present bank occupies. Since its inception, the bank has attempted to serve the needs of all citizens in Lebanon and Marion County.
