USDA Vs. FHA your options comparison in Grayson, Carter County, KY

In 2025, USDA loan limit in Grayson, county of Carter, KY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Grayson, county of Carter, KY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Grayson, KY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Kentucky?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Sensible Mortgage Solutions LLC
  • 31 Liberty Street, Suite 306, Southington, CT, 06489
  • Sensible Mortgage Solutions is the founder of the Jeremy Hyatt focus has always been to do the right thing by each client and provide the best loan experience possible. Jeremy’s commitment to professional excellence and a strong desire to help others is what separates him from the competition. When not assisting clients.
  • New England Home Mortgage
  • 37 W. Center Street, Suite 208, Southington, CT, 06489
  • At New England Home Mortgage, we have over 50 years of industry experience to rely on. We offer a full suite of mortgage products and the highest level of customer service. Each mortgage team member will give you undivided attention, learn your unique financial situation, and explain the best mortgage solution available for you.
  • Eglin Federal Credit Union
  • 838 Eglin Pkwy NE, Fort Walton Beach, FL, 32547
  • Eglin Federal Credit Union has nine branches serving members in and around Okaloosa, Santa Rosa & Walton counties. The Credit Union serves active duty, retired military & local honorably discharged veterans; local civil service employees; employees of many area businesses; members living within our geographic field of membership; & their families.
  • Jackson Area Federal Credit Union
  • 5675 Highway 18 West, Jackson, MS, 39209
  • Jackson Area FCU opened its doors in February 1953, as the City of Jackson Municipal Employees FCU. Today, Jackson Area FCU is made up of 70 plus SEG. Anyone who works for one of our SEG's is eligible to join Jackson Area FCU. Jackson Area FCU also serves the underserved in Hinds County, MS, which means anyone who lives, works, worships.
  • Encore Bank
  • 1801 Rahling Rd, Little Rock, AR, 72223
  • Encore Bank is a private, boutique bank with a commercial focus that couples highly experienced and talented bankers with innovative technology to offer unprecedented levels of personal service and experiences to its clients through a hospitality-inspired concierge approach. Encore provides a full suite of financial products
  • Bank Ozk
  • 17901 Chenal Pkwy, Suite 100, Little Rock, AR, 72223
  • Bank OZK, we strive to build on our community Bank heritage by combining high ethical standards with innovative technologies to deliver truly exceptional service to our clients and communities. We are committed to implementing new ideas and cultivating relationships that encourage our communities, large and small, to grow and thrive.
  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.
  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405
  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.
  • Panhandle Credit Union
  • 2718 Martin Luther King Jr, Blvd Panama City, FL, 32405
  • Panhandle Educators FCU is a leading Florida Credit Union with an A+ rating by DepositAccounts.com, a subsidiary of LendingTree, and has a 5 Star rating by Bauer Financial. We offer a range of financial solutions including Personal Accounts, Business Accounts, Mortgages, Auto Loans, Personal Loans, and more
  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405
  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.
  • Little Rock Federal Credit Union
  • 11600 William Dillard Dr, Shannon Hills, AR, 72103
  • In early 1939, the employees of the Democrat Printing & Lithograph established a federal chartered Credit Union as a non-profit organization to serve its members by promoting thrift and creating a source of credit at a reasonable rate of interest. The Charter members of the Credit Union were Merlin Herrington,
  • Park Bank Holmen, La Crosse & Sparta
  • 1200 Co Hwy DH, Holmen, WI, 54636
  • Park Bank first opened for business in Holmen in 1909. The first loan made was to buy corn for spring planting and our first deposit was for $300 into a savings account for a down payment on a new home. Today with offices also in La Crosse and Sparta, Park Bank still offers the same personalized service, pays the best money market rates.