USDA and FHA Pro and Con in Harlan, Harlan County, KY
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 for your personal financial goals.
Loan limits and down payment requirements for 2026 in Harlan, county of Harlan, KY
Type of Loan
Maximum Loan Limit
Down Payment Percentage
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Possibilities in Harlan, KY
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.
Knoxville TVA Employees Credit Union was established in 1934 to provide services for a growing community of TVA employees. The Credit Union now has 20 locations throughout East Tennessee and serves more than 180, 000 members. Credit Union services are available to anyone who lives, works, worships.
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We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
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Eastern Kentucky Federal Credit Union is a federally regulated, and non-profit credit union, established in 1969 by the employees of Kentucky West Virginia Gas Company located in Eastern Kentucky. On April 1, 2015 the board of directors voted to change the name to Eastern Kentucky Federal Credit Union.
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4707 Papermill Dr, Suite 102, Knoxville, TN, 37909
Real Estate Finance Group are a local, knowledgeable, and professional mortgage company that cares about its clients. Real Estate Finance Group employs credit trained mortgage consultants with immediate decision making authority REFG is fueled by a genuine belief in the ‘customer for life’ principal.
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