USDA VS FHA in La-Grange, Oldham County, KY

In 2025, the USDA loan limit in La-Grange, situated in Oldham county, KY, is $285,000. In comparison, the FHA limit for a single-family home is $356,362.

Make use of the Lendersa® USDA loan calculator to compare and contrast today's prime USDA and FHA rates. Discover the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator provides a comprehensive side-by-side analysis of USDA, FHA, Conforming, and VA loans. This aids you in determining which program in is best suited to your financial needs.

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2025 Loan Limits and Down Payment Requirements in La-Grange, Oldham, KY

Loan Type Loan Limit Down Payment Percentage
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in La-Grange, KY

Lendersa® is dedicated to promptly securing the best USDA or FHA loans for you with no hassle. Choose one of three initial options to discover matching lenders and USDA loan programs tailored to meet your needs.

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Understanding USDA Loans in KY

The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture. It is specifically available in rural neighborhoods. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans require none, making homeownership more attainable in the eligible areas listed.

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



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