In 2026, 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.
2026 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.
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.
First Equity Mortgage has closed more than $5 billion in mortgage loans for thousands of Drees customers. With almost 40 years of new construction lending experience, we truly understand the excitement, anticipation and stress that can be associated with building a home. This knowledge helps us provide you with the friendly customer experience
Cove Federal Credit Union was originally chartered as SEMC Federal Credit Union in 1970. It was started by a small group of employees of St. Elizabeth Hospital in Covington, Kentucky. In 1978, St. Elizabeth’s South Unit was built in Edgewood, Kentucky & the hospital became St. Elizabeth Medical Center.As the South Unit grew, so did the credit union
Entrust Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
Citizens Federal Savings and Loan Association of Covington
433 Madison Avenue, Covington, KY, 41011
Lends in Kentucky
Citizens Federal Savings and Loan Association of Covington, KY has been a part of the community since 1886. We are one of the last mutual institutions remaining in Northern Kentucky.
As a mutual savings and loan each customer has a stake and ownership in our association. As a mutual savings and loan each customer has a stake
"Over the years, Cincinnati Federal has continued to expand its footprint in the Cincinnati area through acquisition of other savings institutions such as Delta S & L, McHenry S & L and Fulton #4. In the 1980's Cincinnati Federal continued to grow and opened offices in the Miami Heights area and in Anderson Township."
Home Savings Bank is located on Elm Street in Ludlow, KY just minutes from downtown Cincinnati. We specialize in real estate lending and offer many deposit solutions. Home Savings Bank, FSB is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
