USDA Loan Vs. FHA loan pro & con for Irvine, Estill County, KY

In 2025, USDA loan limit in Irvine, county of Estill, 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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USDA and FHA loan options in Irvine, 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.

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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.

(906) 789-6400 582 miles Lender's profile and map Reviews Peninsula Federal Credit Union 2929 3rd Avenue North, Escanaba, MI, 49829 Established in 1941, Peninsula Federal Credit Union has grown from 231 members to over 11, 000 members with assets in excess of $142 million. Founded as an occupational credit union we began as the Escanaba Paper Company Employees Federal Credit Union. The name changed to Mead Corporation, Escanaba Division Employees Federal Credit Union
(906) 789-7000 582 miles Lender's profile and map Reviews Upper Peninsula State Bank 430 North Lincoln Road, Escanaba, MI, 49829 Upper Peninsula State Bank was formed in 1902 for the purpose of providing banking services to the citizens of Delta and surrounding counties. From humble beginnings, our founders and their successors built one of the finest financial institutions in the Upper Peninsula. For 119 years we have made loans to start or expand local businesses.
(816) 221-2734 583 miles Lender's profile and map Reviews Holy Rosary Credit Union 533 Campbell Street, Kansas City, MO, 64106 We offer Online Banking, Visa Credit Cards, Financial Education, Checking and Savings accounts, Secured and Unsecured Loans and Mortgages. We also offer Credit Builder education, Preparing for a Mortgage education and Business accounts. Holy Rosary Credit Union is a financial cooperative owned by all its members.
(855) 659-1656 583 miles Lender's profile and map Reviews Commerce Bank 1000 Walnut Street, Kansas City, MO, 64106 At Commerce Bank, we know life’s best moments can come with some financial complexity. Our job is to help people and businesses navigate challenges so they can get back to focusing on what matters most. We do this by getting to know our customers and communities and accepting their goals as our own to deliver the right financial solutions.
(800) 867-2265 583 miles Lender's profile and map Reviews Bank Midwest 1111 Main St, Kansas City, MO, 64106 Bank Midwest is a leading community banking franchise, headquartered in Kansas City, Missouri. We serve clients throughout Missouri & Kansas by providing a comprehensive portfolio of products and services to meet the needs of commercial, consumer and small business clients. As we grow, our goal is to continue to deliver a superior level of service.
(816) 936-5050 583 miles Lender's profile and map Reviews KC Area Credit Union 601 E. 12th St, Room G-61, Kansas City, MO, 64106 We pride ourselves on our motto, “Small enough to know you, large enough to serve you”. Formed in 1946, we now serve government (federal, state, county, or city) employees, current and retired working in Johnson and Wyandotte counties in Kansas and Jackson and Clay counties in Missouri.
(718) 824-4100 583 miles Lender's profile and map Reviews Apple Home Mortgage 1819 Williamsbridge Road, Suite LB, Bronx, NY, 10461 Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage or cashing out your home equity. We will help you qualify, apply and be approved for the right mortgage loan for you.
(845) 639-0400 583 miles Lender's profile and map Reviews Prodigy Mortgage Corp 3 Dalewood Court, New City, NY, 10956 Rick Spears founded Prodigy Mortgage Corporation in 1999. Our philosophy is to conduct ourselves as a Discount Mortgage Broker with concentration in high net worth borrowers, 1st time homebuyers, FHA, and VA financing. We have deep and long standing business relationships and agreements with banks and Lending Companies.
(845) 352-0722 583 miles Lender's profile and map Reviews Embassy Funding LLC 216 Congers Road Suite 3-A, New City, NY, 10956 Courtney J. Krysty is the owner and managing member of Embassy Funding LLC. She holds mortgage loan originator licenses in New York, New Jersey, Connecticut and Florida. Courtney has been working in the industry for over 15 years, gaining a wealth of experience as a processor, underwriter, loan officer, and branch manager.
(816) 444-7440 583 miles Lender's profile and map Reviews Catholic Family Credit Union 9237 Ward Parkway, Suite 114, Kansas City, MO, 64114 Catholic Family Credit Union has been serving the financial needs of South Kansas City's Catholic community since 1957. Occupying a single room at St. Elizabeth Parish, CFCU, then known as St. Elizabeth Credit Union, received its charter that year as a parish-based credit union. Since its humble beginnings in that small room, the credit union has g