In the year 2026, the USDA loan limit in the city of Harlan, located in the county of Harlan, KY, is set at $336,500. On the other hand, the FHA loan limit for a single-family home stands at $472,030.
With the Lendersa® USDA loan calculator, you can compare the prevailing best rates of USDA and FHA options, and evaluate the necessary income, credit score, assets, and documentation for eligibility. Our advanced mortgage calculator allows you to review USDA, FHA, Conforming, and VA programs simultaneously, assisting you in determining the best choice in
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| Type of Loan | Maximum Loan Limit | Down Payment Percentage |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to quickly securing you the best USDA or FHA loan with minimal hassle. Choose from three starting points to connect with suitable lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage provided by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas and, distinctively, no down payment is required, unlike FHA loans, which need at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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