USDA and FHA Pro and Con in Farley, McCracken County, KY

In 2025, for Farley in McCracken, KY, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program in Alabama tailored to your financial needs.

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2025 Loan Limits and Down Payment Requirements in Farley, McCracken, KY

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

Exploring USDA and FHA Loan Options in Farley, KY

Lendersa® aims to secure the most suitable USDA or FHA loans quickly and effortlessly. Choose from three starting points to get connected with lenders and the right USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in KY?

A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment.

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



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