In 2026, the USDA loan limit for Berea, located in the county of Madison, KY, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize Lendersa®'s USDA loan calculator to check and compare today's prime USDA versus FHA rates, and discover the income levels, credit requirements, reserves, and documentation necessary for qualification. By using our sophisticated mortgage calculator, you can examine side-by-side comparisons of USDA, FHA, Conforming, and VA options to assist in selecting the most appropriate program for your financial circumstances in
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| Type of Loan | Maximum Allowable Loan | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
At Lendersa®, our mission is to secure the most favorable USDA or FHA loans efficiently and without stress. You may select from three strategies that align you with ideal lenders and their USDA loan programs.
The USDA home loan, often referred to as the USDA rural development loan or mortgage, is supported by the U.S. Department of Agriculture. This loan is specifically designated for use in rural communities. In contrast to FHA loans, which demand at least a 3.5% down payment, the USDA home loan requires no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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