USDA Vs. FHA Pro and Con comparison in Hopkinsville, Christian County, KY

In 2025, USDA loan limit in Hopkinsville, county of Christian, KY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Hopkinsville, county of Christian, KY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Hopkinsville, KY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Kentucky?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Stein Financial LLC
  • 2900 E Jefferson Ave, Apt A802, Detroit, MI, 48207
  • Stein Financial LLC is one of the leading mortgage brokerages in Michigan. We provide A+ customer service without overpaying for a low interest rate. Brian Brandenstein Founder and Broker at Stein Financial LLC. Brian is a highly motivated and driven individual who prides himself on improving as a leader.
  • The Blue Grass Valley Bank
  • 2583 Blue Grass Valley Road, Blue Grass, VA, 24413
  • With locations in Blue Grass and Monterey, Virginia, we have been serving our neighbors in Highland County, Virginia, and Pendleton County, West Virginia, as well as surrounding counties, since 1915. We take pride in providing our customers with a level of sincerity and service unlike any other.
  • District One Highway Credit Union
  • 3011 N Belt Highway, Suite B, Saint Joseph, MO, 64506
  • District One Highway Credit Union was founded in 1954. An inquiry dated March 13, 1954 was sent to Jim Riegel of the Missouri Credit Union League. His response to this inquiry stated that it would take a minimum of 7 people to sign a charter and someone would need to put up $5 to the Secretary of State.
  • St. Joseph Teachers' Credit Union
  • 2316 Village Drive, Saint Joseph, MO, 64506
  • St. Joseph Teachers’ Credit Union is a not-for-profit financial cooperative, owned, controlled, and operated for the benefit of its members. Since there are no outside stockholders to satisfy, the credit union can return a greater percentage of its income to you, the member-owner, in the form of higher dividend rates on deposits.
  • Postal & Community CU
  • 3921 Oakland Avenue, Saint Joseph, MO, 64506
  • Postal & Community Credit Union have been providing great financial services to Northwest Missouri and Northeast Kansas residents for over 80 years. Postal and Community Credit Union recognizes the importance of a positive experience for everyone who visits our website, including those with disabilities.
  • Advance America
  • 3007 N Belt Hwy, Saint Joseph, MO, 64506
  • Advance America, we believe in better. We believe that setbacks are just opportunities for epic comebacks & we want to help make those comebacks happen.That’s why for the past 23+ years, Advance America has worked to become one of the nation’s leading providers of consumer financial services with online lending and over 1, 200 locations nationwide.
  • Credit Union Advantage
  • 22250 Providence Drive, Southfield, MI, 48075
  • Credit Union Advantage has been providing financial services to members and their families since 1969. Initially the credit union was named Providence Hospital Employees Credit Union and in 2002 we began to also serve the employees of the St. John Health System, which includes Providence Hospital. Our name was changed at that time to Credit Union A
  • Southeast Michigan State Employees Federal Credit Union
  • 17135 W Ten Mile Road, Southfield, MI, 48075
  • Southeast Michigan State Employees (SMSE) Federal Credit Union is a democratically controlled, co-operative financial institution.SMSE Federal Credit Union was formed to serve employees of the State of Michigan and employees of local governments, working in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne Counties.