USDA Vs. FHA your options comparison in Hurstbourne, Jefferson County, KY

In 2026, the USDA loan limit for Hurstbourne, located in Jefferson, KY, is $0, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, and establish the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist in determining the best program in Alabama for your financial needs.

Compare loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Hurstbourne, Jefferson, KY

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

Options for USDA and FHA Loans in Hurstbourne, KY

The objective of Lendersa® is to promptly secure the best USDA or FHA loan for you without hassle. Begin by selecting one of three steps that match you with lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in KY?

A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural communities. Unlike FHA loans which require at least a 3.5% down payment, USDA mortgages require no down payment.

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



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  • Elements Financial
  • 225 South East Street, Suite 300, Indianapolis, IN, 46202
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    We are financial wellness providers who promise to help you achieve financial wellness in life with your own money management plan."

  • OneMain Financial
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  • United Bank Downtown Banking CenterSince 1914, United Bank has been dedicated to building long term relationships with our customers. Our mission is to be the premier community banking institution providing financial services for our market, by surpassing customer's expectations and fulfilling community needs in a manner that enhances value.

  • Old National Bank
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  • Gibbs Aluminum Federal Credit Union
  • 3093 Ohio Drive, Henderson, KY, 42420
  • Gibbs Aluminum Federal Credit Union has been open since 1967. Located at 3093 Ohio Drive in Henderson Kentucky, GAFCU provides banking to more than 1,000 members. Membership is current open to all Gibbs Die Casting team members and to immediate family of current members. The Gibbs Aluminum Federal Credit Union is a federally-chartered employee.

  • Field & Main Bank
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  • Sorg Bay West FCU
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  • LINK FCU
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  • Wayne Bank
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