USDA Loan Vs. FHA loan for Irvine, KY 2025

In 2025, the USDA loan limit for Irvine in Estill County, KY, is $336,500. The FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's best rates for USDA vs. FHA loans, and determine the income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding your decision on the best option in for your financial circumstances.

Exploring USDA and FHA Loan Options in Irvine, KY

Lendersa® aims to quickly and efficiently find you the best USDA or FHA loan available. Start with one of three pathways, resulting in matched lenders and the USDA loan options you need.

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Understanding USDA Loans in KY

A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan—is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.

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(802) 782-6376 Lender's profile and map Reviews PEOPLES TRUST COMPANY OF ST ALBANS 25 Kingman Street, Saint Albans, VT, 05478 Peoples Trust Company was founded by an Act of the General Assembly of the State of Vermont on November 12, 1886. Since our inception, we have enjoyed a commitment to the Vermont tradition of service, quality and value. We believe that banking is about building relationships, making people’s lives easier, and helping folks realize their goals.
772-528-5800 Lender's profile and map Reviews SellYouMoney, LLC 961 SE Damask Ave., Port ST Lucie, FL, 34983 “At SellYouMoney, we’re your nationwide Non‑QM lender across 48 states—offering tailored financing for investment residential and commercial purchases, refinances, fix‑and‑flip rehabs, and even ground‑up construction. With asset‑based, interest‑only, and DSCR options—often up to 85–100% acquisition and rehab funding—we deliver fast, flexible soluti
(866) 977-5674 Lender's profile and map Reviews Unified Mortgage LLC 6546 Selvitz Road Port, Port Saint Lucie, FL, 34983 Unified Mortgage LLC, where we specialize in residential mortgages. At Unified Mortgage LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(617) 965-1236 Lender's profile and map Reviews Westchester Mortgage 321 Walnut Street, Suite 412, Newtonville, MA, 02460 Debbie Siegel founded her mortgage brokerage firm Westchester Mortgage in 2000. Since then, she has helped hundreds of clients buy or refinance their homes. In addition, she’s cultivated an extensive professional network of real estate attorneys, insurance agents, contractors, mediators, business coaches, and financial planners.
(800) 642-7515 Lender's profile and map Reviews First Citizens' Federal Credit Union 200 Mill Road, Suite 100, Fairhaven, MA, 02719 First Citizens’ Federal Credit Union was originally named Bristol Credit Union and was organized as a State Chartered Credit Union on November 17, 1937, to serve employees and residents of Bristol County, Massachusetts. Our name was changed to Citizens’ Credit Union when we expanded our operating field of membership to include Bristol, etc
(508) 994-9971 Lender's profile and map Reviews Alltrust Credit Union 123 Alden Road, Fairhaven, MA, 02719 We got our start in 1922, during the early days of America’s credit union movement as a telephone workers credit union. Since then, we’ve earned the trust of thousands of members in Massachusetts and Rhode Island by offering long-term dependability, sound advice, great local service,
(508) 923-1934 Lender's profile and map Reviews Brick Road Mortgage LLC 10 Elders Pond Drive, Lakeville, MA, 02347 "Brick Road Mortgage is a Mortgage Broker specializing in residential purchase, refinancing and reverse loans. At Brick Road Mortgage we focus on YOU, the customer. Let's face it, the process of obtaining a loan can seem complex and strenuous. Our goal at Brick Road is to make the experience as simple and positive as possible! "
(617) 325-1999 Lender's profile and map Reviews Energy Credit Union 156 Spring Street, West Roxbury, MA, 02132 At Energy Credit Union, we are committed to helping members achieve their financial goals. Since 1931, we have offered low cost loans, high interest savings products, and outstanding member service.Membership in Energy Credit Union is open to those who live or work in certain communities and to employees.
(617) 325-1111 Lender's profile and map Reviews NorthEast Mortgage Associates Inc 1996 Centre Street, West Roxbury, MA, 02132 At NorthEast Mortgage Associates, Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates.
(508) 995-9100 Lender's profile and map Reviews Acushnet Federal Credit Union 112 Main Street, Acushnet, MA, 02743 Acushnet Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the AFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.