USDA Vs. FHA Pro and Con comparison in Fulton, Fulton County, KY
In 2026, the USDA loan limit for Fulton, in Fulton county, KY, is $336,500. The FHA limit for a single-family home stands at $472,030.
Use the Lendersa® USDA loan calculator to compare the highest current USDA and FHA rates. Determine qualifications like income, credit, reserves, and required documents. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA plans side by side, helping decide the best option for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Fulton, Fulton, 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 Fulton, KY
At Lendersa®, our aim is to secure you the best USDA or FHA loan efficiently and smoothly. Opt for one of three starting points to find matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the U.S Department of Agriculture, also known as a USDA rural development loan, is exclusively available in rural areas. Unlike FHA loans requiring a minimum of 3.5% down payment, the USDA mortgage does not require any down payment.
We are all about the family, and where do we spend our family time, in the home. The American Dream of owning your own home is alive and WELL at Clinton Bank.We provide fixed and variable rate products in maturities up to 30 years. We have products that we service ourselves and those we sell into the secondary market.
At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.
Your Hometown Federal Credit Union has been open since 1965. The credit union has assets totaling $27.24 Million and provides banking services to more than 2,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
First Kentucky Bank was founded in Mayfield, Kentucky, on March 6, 1899, as The Exchange Bank. First Kentucky Bank was established with a foundation of community-minded service and professional excellence that has allowed it to grow throughout its rich history, in times of both prosperity and adversity.
River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
Citizens Deposit Bank is a community owned bank rooted in Western Kentucky. The bank was chartered by the Commonwealth of Kentucky in 1949 & continues to serve the needs of citizens of Carlisle, Hickman, Ballard & surrounding counties. Our reputation of being a hometown bank with excellent customer service is known throughout the counties we serve.
