USDA Vs. FHA Pro and Con comparison in Central-City, Muhlenberg County, KY
In 2025, the USDA loan limit for Central-City, located in the county of Muhlenberg, KY, is $285,000. In contrast, the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess and differentiate today's top USDA and FHA rates. Determine the necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which program in best fits your financial situation.
2025 Loan Limits and Down Payment Requirements in Central-City, Muhlenberg, KY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Central-City, KY
The mission of Lendersa® is to provide you with the most suitable USDA or FHA loans efficiently and without hassle. Choose from one of three starting points to connect with compatible lenders offering USDA loan programs tailored to your needs.
A USDA home loan, formally known as the USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. Available solely in rural neighborhoods, it does not require any down payment, contrary to FHA loans which need a minimum of 3.5% down payment. This makes USDA loans a practical option for facilitating homeownership for those in eligible rural areas.
Florida Community Loan Fund serves the 3rd most populated state in the U.S. by providing flexible financing and staff expertise to help projects succeed and help organizations improve lives and low-income communities. Our Impact has provided $470 million in lending statewide, into projects totaling $1.2 billion in total construction project
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