In 2026, the USDA loan limit in Hazard, located within the county of Perry, KY, is $336,500. Conversely, the FHA limit for purchasing a single-family home is set at $472,030.
Make use of the Lendersa® USDA loan calculator to assess and compare today's top USDA versus FHA rates. This tool will help you determine the necessary income, credit score, reserves, and documentation required for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in deciding which program in
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| Loan Type | Maximum Loan Limit | Required Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to seamlessly and quickly provide you with the best possible USDA or FHA loans without incurring any unnecessary hassle. You can select one from three starting pathways to connect with lenders who offer USDA loan programs that align with your financial situation and needs.
A USDA home loan, often referred to as the USDA rural development loan or USDA mortgage, is secured by the U.S. Department of Agriculture. Specifically designed for rural neighborhoods, this loan requires no down payment, contrasting with the Federal Housing Administration (FHA) loans, which require at least a 3.5% down payment. By omitting this initial payment requirement, USDA loans significantly broaden the accessibility of homeownership to many eligible borrowers in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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