USDA Loan Vs. FHA loan pro & con Harlan, Harlan County, KY

In the year 2025, 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.

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

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.

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(806) 796-7231 Lender's profile and map Reviews Capital Mortgage Services Of Texas 4212 50th St, Lubbock, TX, 79413 Capital Mortgage Services A full service mortgage bank of Texas controls all elements of your mortgage transactionof Texas provides a mortgage company with over 30 years of experience in helping our customers. We understand that this isn’t just a loan to you, it’s your home. We take that responsibility very seriously
(806) 391-2272 Lender's profile and map Reviews Casita Capital 3309 67th St, Lubbock, TX, 79413 Casita Capital is a small independent mortgage that provides real estate financing within the State of Texas for individuals and businesses that are looking for alternative financing. Our clients are generally looking for specific financing terms, are not able to qualify for traditional financing or have had their financing fall apart at the last.
(432) 264-2600 Lender's profile and map Reviews Cosden Federal Credit Union 400 East Marcy Drive, Big Spring, TX, 79720 Cosden Employees FCU first charter was in Fort Worth, Texas in 1936. The first charter was a credit union to serve the employees and families of employees of the Cosden Refinery in Big Spring, Texas. A few years after starting in Fort Worth Cosden Employees Credit Union moved to Big Spring to improve service to the employees of the refinery.
(432) 267-6373 Lender's profile and map Reviews Citizens Federal Credit Union 701 E FM 700, Big Spring, TX, 79720 Webb Air Force Base Federal Credit Union was chartered to serve the employees and the family members of Webb Air Force Base here in Big Spring, Texas. After the base closed, our charter was converted into a community credit union. It was at that time, in 1978, that we changed our name to Citizens Federal Credit Union.
(432) 264-2100 Lender's profile and map Reviews The State National Bank of Big Spring 901 Main Street, Big Spring, TX, 79720 Chartered in January 1909, The State National Bank opened for business on March 1st of that year at 204 Main Street. The original bank was organized as The First State Bank of Big Spring and in 1924, converted to a national bank charter, with the bank being renamed The State National Bank of Big Spring
(806) 771-7717 Lender's profile and map Reviews Lone Star State Bank of West Texas 6220 Milwaukee Avenue, Lubbock, TX, 79424 Lone Star State Bank of West Texas is a full-service bank with locations in Lubbock, Odessa, Brownfield, Big Spring, & Midland. Providing comprehensive depository and lending products, our services are delivered with a “high touch” personalized approach. Lone Star is committed to providing superior responsiveness and value to our customers through.
(806) 798-5554 Lender's profile and map Reviews ALLIANCE Credit Union 6219 TX 327 Spur, Lubbock, TX, 79424 ALLIANCE Credit Union is a not-for-profit financial institution that serves anyone who lives, works, or worships in the counties of Lubbock, Hockley, Lamb, Hale, Floyd, Crosby, Garza, Lynn, and Terry. The mission of ALLIANCE Credit Union is to make a difference financially, and the vision is to be the best financial solution.
(806) 794-0044 Lender's profile and map Reviews Peoples Bank Texas 5820 82nd St, Lubbock, TX, 79424 Peoples Bank exists to place the needs of our employees, customers, and shareholders at the center of everything we do. We focus attention on the needs of local families, businesses, towns, and farmers. We take local deposits and then make loans back into the neighborhoods where our depositors live and work.
(806) 748-1305 Lender's profile and map Reviews Enhance Mortgage 5109 82nd Street, Suite 71135, Lubbock, TX, 79424 Enhance Mortgage in selling a land contract, deed of trust, contract for deed, private mortgage, or real estate note? When you want to convert that real estate note into fast, usable cash, our process is quick, easy, and ethical. There are many reasons to sell your real estate notes and whatever that reason is Enhance Mortgage can help you.
(806) 687-8015 Lender's profile and map Reviews City Bank Mortgage 6524 82nd Street, Suite 120, Lubbock, TX, 79424 City Bank has more than $3 billion in assets with 25 full-service banking locations and 13 mortgage loan production offices throughout Texas and New Mexico. Since 1941, City Bank has been committed to offering its customers revolutionary products and services to stay in touch with their needs.
(806) 317-0730 Lender's profile and map Reviews HubCityLending 7407 93rd St, Lubbock, TX, 79424 HubCity Lending is composed of a group of highly experienced and seasoned, certified, financial professionals. With our knowledge and expertise, we can usually find a solution for all your financing needs. Unlike a bank, or local lending institution, which only lend to the most credit-worthy businesses.