For 2026, the limit for USDA loans in Cumberland, located in Harlan County, KY, is $336,500. In contrast, the FHA limit for a single-family residence is set at $472,030.
Employ the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. It helps you understand the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program in
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to quickly and smoothly secure for you the best possible USDA or FHA loan. Choose from one of three pathways that align with matching lenders and USDA loan offers.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is available solely in rural neighborhoods. Contrasting with FHA loans that require at least a 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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