USDA Vs. FHA Pro and Con comparison in Cumberland, Harlan County, KY
For 2025, 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 suits your financial situation best.
Loan limits and down payment requirements for 2025 in Cumberland, Harlan County, KY
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan options in Cumberland, KY
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.
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