USDA Vs. FHA your options comparison in Burlington, Boone County, KY
For the year 2026, the USDA loan limit in Burlington, within the county of Boone, KY, is set at $336,500. In comparison, the FHA loan limit for a single-family property is $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate the current top USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you to conclude which program in is optimally suited to your particular financial needs.
2026 Loan Limits and Down Payment Requirements in Burlington, Boone, KY
Type of Loan
Maximum Allowable Loan
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Choices in Burlington, KY
The aim at Lendersa® is to swiftly and effortlessly secure the best USDA or FHA loans. Choose one among the three strategies that pair you with lenders and their USDA lending programs.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. It is specially available only in rural locations. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment at all, making homeownership more accessible.
We are locally owned and operated with our main office located in Burlington, KY. At OnPoint Home Lending, we pride ourselves on exceeding our customer's expectations in finding the best option for a home loan that's right for you. Whether you want the lowest rate possible, refinance your existing mortgage or new home purchase
Entrust Mortgage, LLC, 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 represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
First Equity Mortgage has closed more than $5 billion in mortgage loans for thousands of Drees customers. With almost 40 years of new construction lending experience, we truly understand the excitement, anticipation and stress that can be associated with building a home. This knowledge helps us provide you with the friendly customer experience
Cove Federal Credit Union was originally chartered as SEMC Federal Credit Union in 1970. It was started by a small group of employees of St. Elizabeth Hospital in Covington, Kentucky. In 1978, St. Elizabeth’s South Unit was built in Edgewood, Kentucky & the hospital became St. Elizabeth Medical Center.As the South Unit grew, so did the credit union
Home Savings Bank is located on Elm Street in Ludlow, KY just minutes from downtown Cincinnati. We specialize in real estate lending and offer many deposit solutions. Home Savings Bank, FSB is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
Citizens Federal Savings and Loan Association of Covington
433 Madison Avenue, Covington, KY, 41011
Lends in Kentucky
Citizens Federal Savings and Loan Association of Covington, KY has been a part of the community since 1886. We are one of the last mutual institutions remaining in Northern Kentucky.
As a mutual savings and loan each customer has a stake and ownership in our association. As a mutual savings and loan each customer has a stake
"Over the years, Cincinnati Federal has continued to expand its footprint in the Cincinnati area through acquisition of other savings institutions such as Delta S & L, McHenry S & L and Fulton #4. In the 1980's Cincinnati Federal continued to grow and opened offices in the Miami Heights area and in Anderson Township."
