USDA VS FHA in Cold-Spring, Campbell County, KY

In 2025, the USDA loan cap in Cold-Spring, within Campbell, KY is $285,000, while the FHA limit for a single-family home reaches $356,362.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA vs. FHA rates, and determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to determine the ideal program for your financial situation in Alabama.

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Loan Limits and Down Payment Requirements for 2025 in Cold-Spring, Campbell, 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 Cold-Spring, KY

Lendersa® aims to quickly match you with the best USDA or FHA loan options, free of hassle. Start by selecting from three pathways that connect you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in KY

A USDA home loan, also known as the USDA rural development loan, is guaranteed by the government through the Department of Agriculture. It is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.

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



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