FHA Vs. USDA loan program for Erlanger, Kenton County, Kentucky

In 2025, the USDA loan ceiling in Erlanger, situated in the county of Kenton, KY, stands at $336,500, whereas the single-family FHA cap is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast the optimal USDA and FHA rates available today. This tool aids in assessing the necessary income, credits, reserves, and documentation to qualify. Our sophisticated mortgage calculator provides a comparison across USDA, FHA, Conforming, and VA options, facilitating an informed decision on the most suitable program in tailored to your financial needs.

Exploring USDA and FHA Loan Alternatives in Erlanger, KY

Lendersa® prioritizes promptly securing the most favorable USDA or FHA loans without complication. Choose one of three pathways to initiate the process, which aligns lenders with USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture. It is specifically for rural areas. Unlike FHA loans which require a down payment of at least 3.5%, USDA loans require no down payment at all.

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(513) 498-5626 Lender's profile and map Reviews River City Mortgage 4555 Lake Forest Drive, Suite 450, Cincinnati, OH, 45242 River City Mortgage is a full service direct mortgage lender offering an easy, customized experience for each client. In the beginning, they grew steadily by staying abreast of daily market trends and partnering with lenders in neighboring states to service clients in the Tristate area.
513 247 0501 Lender's profile and map Reviews Build Realty 9468 Towne Square Ave Blue Ash, Cincinnati, OH, 45242 Build Realty is in the business of helping real estate investors of all experience levels maximize their return on investment while minimizing their risks. Specialties:- real estate, investing, Real estate investment strategic planning, property renovation, development, Hard money, Construction management, and Bridge financing
(513) 247-7859 Lender's profile and map Reviews C4 Residential LLC 6355 East Kemper Road, Suite 240, Cincinnati, OH, 45241 C4 Financial strives to provide our clients with the most comprehensive financing packages for commercial real estate projects. Our network of banking institutions, conduits, and life insurance companies allows us to offer competitive and creative financing solutions. Founded in 2004.
(513) 733-5626 Lender's profile and map Reviews First Union Mortgage Group, LLC 4015 Executive Park Drive, Suite 215, Cincinnati, OH, 45241 First Union Mortgage Group, LLC., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
(513) 965-8505 Lender's profile and map Reviews Centerbank 744 State Route 28, Milford, OH, 45150 CenterBank, founded in 2000, was built upon an old concept; community banking. We know our customers on a first name basis, keep an open-door policy, and work hard to find common sense solutions for customers. Our product set and customer niche are delimited to foster expertise necessary to deliver best in class service and manage
(513) 201-2210 Lender's profile and map Reviews RiverHills Bank 553 Chamber Dr, Milford, OH, 45150 RiverHills Bank, formerly New Richmond National Bank, has been serving people just like you and your family in Clermont County for over a century.Investing in the lives of friends and neighbors and keeping your locally earned dollars actively at work in our communities, RiverHills Bank is proud to serve as your community Bank.
(800) 373-1059 Lender's profile and map Reviews Christian Family Credit Union 410 Chamber Drive, Milford, OH, 45150 When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.When you bank with Christian Family Credit Union you make an investment in kingdom building. The money you have on deposit with us, we use to lend to other Christian families.
(844) 436-7248 Lender's profile and map Reviews Forcht Bank 58 Broadway Street, Dry Ridge, KY, 41035 Every organization has a story--a core set of beliefs and values that tells the world who they are and what they represent. Forcht Bank's story is the one of our founder Terry Forcht. Long before Terry Forcht was known and recognized as one of Kentucky’s foremost entrepreneurs, he was a college professor
(513) 247-0300 Lender's profile and map Reviews Union Savings Bank 8534 E. Kemper Rd., Cincinnati, OH, 45249 At Union Savings Bank, we believe that buying a home should be affordable for all of our neighbors. Providing a high-quality home mortgage lending and servicing experience is at the root of everything we do. It’s the reason we are the #1 mortgage lender in the communities we serve. We funded more than $6.2 billion
(513) 530-9351 Lender's profile and map Reviews Emery Federal Credit Union 7890 E. Kemper Rd., Cincinnati, OH, 45249 Emery Federal Credit Union is a full service financial cooperative, dedicated to serving its Members. We’re a fast growing, progressive Credit Union that offers Members a full range of banking products and services, including deposit accounts, loan products/services, and commercial services.
(513) 769-6900 Lender's profile and map Reviews Rapid Mortgage Company 7870 E Kemper Road, Suite 280, Cincinnati, OH, 45249 Rapid Mortgage is a Cincinnati area owned and operated mortgage lender offering competitive rates in a wide range of loan products such as Conventional, FHA, VA and USDA Rural Development. Whether you are a 1st-time homebuyer or a seasoned veteran, A+ credit or in need of some credit assistance, we have programs for borrowers of all types.
(513) 762-5070 Lender's profile and map Reviews Kemba Credit Union 8763 Union Centre Boulevard, West Chester, OH, 45069 Kemba provides all of the services, products and resources of a bank. So you can save with us, borrow from us, invest through us. All with the same sense of security and stability you expect from a financial institution. But the reason to come to Kemba isn't because of the things we do like a bank, it's because of the things we do differently.