USDA and FHA Pro and Con in London, Laurel County, KY

In 2025, the USDA loan limit in London, located in Laurel, KY, is $336,500, whereas the FHA cap for a single-family home is $472,030.

To compare the top USDA versus FHA rates today, use the Lendersa® USDA loan calculator. This tool helps you determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides side-by-side access to USDA, FHA, Conforming, and VA loan options, aiding your decision on the ideal program in Alabama based on your financial situation.

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2025 Loan Limits and Downpayment Requirements in London, Laurel, KY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in London, KY

The mission of Lendersa® is to quickly find you the best USDA or FHA loan without hassle. Choose one of three starting points for connecting with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan is supported by the Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. Available only in rural areas, these loans, unlike FHA loans which have a minimum down payment of 3.5%, require no down payment.

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



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