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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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