USDA Loan Vs. FHA loan for Fort-Thomas, KY 2026

For the year 2026, the USDA loan limit in Fort-Thomas, situated in the county of Campbell, KY, is set at $285,000, while the limit for an FHA loan is $356,362 for a single-family home.

Utilize the Lendersa® USDA loan calculator to evaluate today's top rates between USDA and FHA loans, and identify the required income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, facilitating an informed decision on the best program in for your unique financial situation.

Exploring USDA and FHA Loan Choices in Fort-Thomas, KY

Lendersa® strives to offer you the promptest and most effective route to the best USDA or FHA loan without unnecessary complications. Choose from three starting points that link you with the right lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. This loan is exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, USDA loans do not require any down payment, simplifying access to homeownership.

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(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) 315-5010 Lender's profile and map Reviews OnPoint Home Lending 2912 E. Gallatin Street, Burlington, KY, 41005 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
(513) 941-6675 Lender's profile and map Reviews President's Federal Credit Union 4135 State Route 128, Cleves, OH, 45002 Presidents Federal Credit Union (FCU) is located in Cleves, Ohio and we serve members who live, work, worship, volunteer, attend school or work in Miami and Whitewater Township in Hamilton County, Ohio. Presidents Federal Credit Union was founded January 31, 1956 as Porplasco Employees Credit Union.
(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.
(513) 942-3500 Lender's profile and map Reviews Guardian Savings Bank 6100 West Chester Road, West Chester, OH, 45069 Guardian Savings Bank is a leading home mortgage lender in the Cincinnati Tri-State area. We currently service over $3 billion in mortgage loans. We’re a trusted community banker. Chartered in 1895 with one branch in Cincinnati, Ohio, we’ve grown to 12, full-service branches in Cincinnati, Northern Kentucky and Lexington.
(937) 609-0115 Lender's profile and map Reviews mortgage lender 8859 Brookside Ave, Suite 202, West Chester, OH, 45069 The Mortgage Network of Ohio was incorporated in 1999 as a mortgage company dedicated to assisting homebuyers and homeowners with the purchase and refinancing of their residential properties. Based out of Cincinnati Ohio, the company has grown to being licensed and actively doing business in Ohio, Kentucky, and Indiana.
(513) 769-4111 Lender's profile and map Reviews 3rd Street Financial Corp 6964 Tylersville Rd, West Chester, OH, 45069 3rd Street Financial is a national mortgage brokerage firm. We deal in residential mortgages & serve as a matchmaker between the home buyer and the lender. We draw from a pool of carefully selected lenders & banks to find the right match for our clients. Our clients place their confidence in our expertise & we promise that we will do everything
(513) 777-8383 Lender's profile and map Reviews Lynx Financial Group, LLC 8857 Cincinnati Dayton Road, Suite 202, West Chester, OH, 45069 Lynx Financial Group was established in 2001 and has been helping homebuyers and homeowners ever since. We offer 1st Time Homebuyer Programs, FHA, VA, USDA and Commercial loans. Our staff has over 80 years of experience in the Mortgage Industry. This has allowed us to prosper while the industry as a whole has seen a downturn.
(513) 346-4070 Lender's profile and map Reviews The Mortgage Network of Ohio Inc 8859 Brookside Ave, Suite 202, West Chester, OH, 45069 As Mortgage Consultants we provde the customer with much more variety and flexability than traditional bankers or credit unions. We work with more than 20 different lenders providing us with hundreds of channel and programs to meet your needs. Similar how a independent insurance agent will shop you for the best policy, coverage and terms.
(513) 367-2015 Lender's profile and map Reviews The Harrison Building and Loan Association 10490 New Haven Road, Harrison, OH, 45030 The Harrison Building and Loan was chartered in May 1916 as Harrison Welfare Building Association. In 1962 the name was changed due to the number of calls concerning "welfare". Members of the Association met at Harrison City Hall from 1916-1925 and then met at various other locations until 1952 when property at 112 N. Walnut was purchased.