USDA and FHA Pro and Con in Elsmere, Kenton County, KY

In 2025, the USDA loan limit in Elsmere, Kenton county, KY, is $336,500. For a single-family home, the FHA limit is set at $472,030.

Employ the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates and check the requirements regarding income, credit, reserves, and needed documents. This advanced mortgage calculator shows a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you figure out which program in aligns best with your financial situation.

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2025 Loan Limits and Down Payment Details in Elsmere, Kenton, KY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Available USDA and FHA Loan Options in Elsmere, KY

The mission of Lendersa® is to quickly and effortlessly secure the best available USDA or FHA loans. Begin with one of three starting points to connect with aligned lenders and access USDA loan programs suitable for your needs.

Lendersa USDA loan request and matching results overview

What Exactly is a USDA Loan in KY?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is designed for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment, promoting greater accessibility to homeownership for eligible rural residents.

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



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