In 2025, the USDA loan cap for Horse-Cave, located in Hart, KY, is set at $285,000, whereas the FHA loan limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to analyze the top USDA and FHA rates available today. This tool helps you identify the income, credit score, reserves, and documentation requirements necessary for qualification. Our sophisticated mortgage calculator enables a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the best program in Alabama tailored to your financial needs.
Compare loan offerings from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to efficiently secure the best USDA or FHA loans without hassle. Start by choosing one of three initial options that facilitate matching with lenders and provide access to USDA loan programs.
The USDA home loan is a government-backed loan from the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages demand no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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