In 2026, the USDA loan limit in Franklin, Simpson county, KY is $336,500, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and find out the necessary income, credit score, reserves, and documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to secure the most suitable USDA or FHA loans for you quickly and without hassle. Choose one of three starting options to connect with lenders and explore USDA loan programs.
A USDA home loan, sometimes called a USDA rural development loan or USDA mortgage, is guaranteed by the government through the Department of Agriculture. It is available exclusively in rural areas. Unlike FHA loans which require a 3.5% minimum down payment, USDA loans require no down payment, easing access to home ownership.
Enter your location to find out if it qualifies for USDA rural housing loan?
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