In 2026, the USDA loan limit for Elizabethtown, located in Hardin county, KY, is $336,500. The FHA limit for a single-family home, in comparison, stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the current top USDA against FHA rates. This will help determine the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator helps you view USDA, FHA, Conforming, and VA options side by side, aiding in deciding the best program in Alabama for your financial needs.
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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® seeks to secure the best USDA or FHA loan for you quickly and seamlessly. Choose one of three starting options to connect with matching lenders and USDA loan programs.
USDA home loans, backed by the Department of Agriculture, are also known as USDA rural development loans or USDA mortgages, and are accessible only in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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