USDA and FHA Pro and Con in Bardstown, Nelson County, KY

In 2025, 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.

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2025 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.

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Understanding USDA Loans in KY

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.

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



  • Greentree Mortgage
  • 2 Eastwick Dr, Suite 300, Gibbsboro, NJ, 08026
  • You can count on Greentree to make all of the arrangements for your mortgage. There are no up-front application fees. We get you started fast by analyzing your own individual needs, and finding a loan program that fits. If you are already a homeowner, we even provide a credit report analysis at no charge to you.
  • Freedom Credit Union
  • 626 Jacksonville Road, Suite 250, Warminster, PA, 18974
  • Community-based Freedom Credit Union located in the Greater Philadelphia area, chartered in 1934, is a full-service financial institution that offers a banking alternative to consumers. Anyone who lives, works, worships, performs volunteer service, or attends school in Bucks, Chester, Delaware, Montgomery.
  • Global Mortgage Network Inc
  • 626 Jacksonville Road, Suite 230, Warminster, PA, 18974
  • At Global Mortgage, 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. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration
  • INDEPENDENCE HOME MORTGAGE CORP.
  • 720 Johnsville Blvd, Suite 1205B, Warminster, PA, 18974
  • Independence Home Mortgage Corp. is a residential mortgage company dedicated to the American Dream of home ownership. We are a customer focused mortgage brokerage firm who strives to build lasting relationships by providing personalized mortgage solutions and unsurpassed service.
  • Campbell Federal Credit Union
  • 494 Route 38 East, Maple Shade, NJ, 08052
  • When you open an account with Campbell Federal Credit Union, you’re doing more than just getting great financial products and services; you’re becoming a member-owner. And as an owner, we’ll treat you with courtesy, respect and friendly service in a family-friendly atmosphere, every time.
  • Legacy Mortgage Company
  • 3262 Teesdale Street, Ground Floor, Philadelphia, PA, 19136
  • "We are mortgage broker company. We are here to find the best mortgage rate for our local clients. Build Your LEGACY through Home ownership; We are here for YOU! We can help refinance your existing mortgage or get a loan to purchase a new home. Jason Lin Mortgage Broker/Owner at Legacy Mortgage Company."
  • Greentree Mortgage Company, LP
  • 5 Perina Blvd, Suite 200, Cherry Hill, NJ, 08043
  • Established in 1992, Greentree Mortgage Company is a privately held and a trusted lending organization, helping people realize their home ownership dream. Headquartered in Southern New Jersey, we have been serving the community for over 20 years. We have an A+ rating with the BBB (Better Business Bureau).
  • ACRE MORTGAGE & FINANCIAL, INC.
  • 400 Sheppard Rd, Voorhees, NJ, 08043
  • Acre Mortgage & Financial Inc. is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Acre Mortgage & Financial Inc. will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status,