USDA and FHA Pro and Con in Highland-Heights, Campbell County, KY

In 2025, the USDA loan limit in Highland-Heights, within the county of Campbell, KY, is $285,000, while the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to evaluate current top USDA versus FHA rates, as well as determine the income, credit, reserves, and documents needed for qualification. Our enhanced mortgage calculator allows side-by-side viewing of USDA, FHA, Conforming, and VA loans, assisting you in selecting the best option for your financial situation in Alabama.

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2025 Loan Limits & Down Payment Requirements in Highland-Heights, Campbell, KY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Loan Choices: USDA and FHA in Highland-Heights, KY

At Lendersa®, we aim to provide you with the best USDA or FHA loan quickly and efficiently. Choose from three available pathways to connect with lenders offering relevant USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is government guaranteed by the Department of Agriculture and available solely in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment at all.

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



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