In the year 2026, the USDA loan limit for Dayton, located in Campbell county, KY, is set at $336,500, while the FHA limit for a single-family home is $472,030.
You can use Lendersa®'s USDA loan calculator to evaluate today's best rates for USDA compared to FHA. It helps determine the required income, credit score, reserves, and documentation needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the top 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% |
Lendersa®'s aim is to secure the most suitable USDA or FHA loan swiftly and hassle-free. Choose from one of three starting points that align you with suitable lenders and USDA loan options.
The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specifically available in rural areas. Contrasting with FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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