USDA and FHA Pro and Con in Florence, Boone County, KY
In 2026, the USDA loan limit in Florence, county of Boone, KY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator can be used to effectively compare today's top USDA and FHA rates. It assists in outlining the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding in determining which Alabama program is optimal for your specific financial needs.
2026 Loan Limits and Downpayment Requirements in Florence, Boone, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Florence, KY
Lendersa®'s mission is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points that will connect you with matching lenders and USDA loan programs.
A USDA home loan, often known as a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans requiring a 3.5% down payment, the USDA loan requires no down payment, making it attractive for eligible borrowers in rural areas.
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.
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
We are locally owned and operated with our main office located in Burlington, KY. At OnPoint Home Lending, we pride ourselves on exceeding our customer's expectations in finding the best option for a home loan that's right for you. Whether you want the lowest rate possible, refinance your existing mortgage or new home purchase
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.
