USDA and FHA Pro and Con in Louisville, Jefferson County, KY
In 2025, the USDA loan limit in Louisville, county of Jefferson, KY, is $0. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents required for approval. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side to help identify the most suitable program in Alabama for your financial situation.
Loan Limits and Downpayment Requirements for 2025 in Louisville, Jefferson, KY
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Louisville, KY
The aim of Lendersa® is to swiftly get you the best USDA or FHA loan, without hassle. Select one of three starting points that lead to matching lenders and USDA loan programs tailored to your needs.
A USDA home loan, endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which demand at least a 3.5% down payment, the USDA mortgage requires no down payment whatsoever.
First State Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.
This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.
The Lincoln National Bank is a community bank and we take personal pride in giving one on one, friendly service for all your banking needs. We are a full service bank and offer a variety of checking, savings and loan products and other services. We've been committed to serving Hodgenville, LaRue County and the surrounding area since 1889.
Magnolia Bank is a community bank established in 1919 with a strong commitment to excellent customer service. This approach to banking is what we were founded on and what has allowed us to grow and serve new markets. At our banking centers in KY, we offer a variety of financial services to meet all your personal and business banking needs.
The Eclipse Team consists of highly-experienced, talented bankers. We hire exceptional bankers and empower them with the tools they need to be successful and also Eclipse strives to be a valuable corporate citizen. We give back to our community in numerous ways, including volunteerism, donations, and lending in low-moderate income areas
120 Sears Avenue, Suite 208, Louisville, KY, 40207
Founded in 2005 by Tommy Atlas, Atlas Capital Mortgage has helped hundreds of people in Kentucky buy and refinance their homes. A 1992 graduate of the University of Louisville, Tommy began his career in the retail banking sector at the Bank of Louisville. He transitioned exclusively to mortgage banking in 1998. With more than two decades.
231 Breckenridge Lane, Suite 202D, Louisville, KY, 40207
We offer great rates and closing-cost packages. Borrowers Choice Mortgage will shop among several wholesale lenders nationwide to find your best deal. We make sure clients don’t overlook closing costs by focusing solely on rates, which is a common mistake. Closing costs are very important to getting the best deal over time.
Select Mortgage Advisors - Kentucky and Indiana.These devoted professionals work Kentucky with individuals, couples and families every day to help them obtain the best mortgage rates with the lowest closing costs. and No Closing Costs Mortgage Loans! 100% Financing Available and Our primary focus.
161 St Matthews Ave, Suite 10, Louisville, KY, 40207
The Lightpoint Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Kentucky . Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt
295 North Hubbards Lane, Suite 102, Louisville, KY, 40207
Multiple Option Mortgage Services is a mortgage broker. Servicing Louisville & surrounding areas. Specializing in all types of residential lending including Conventional, FHA, VA & KHC. With over twenty-five years of experience, our knowledgeable team is confident that they will facilitate a smooth closing in the purchasing of your new home.
1001 Dupont Road, Suite 110 B, Louisville, KY, 40207
Encore Mortgage, LLC, we understand your house is your home—not a loan. We know this because we’ve always been in the business of caring about our customer’s journey, writing our story right alongside yours. Whether you are first time home buyer, purchasing your dream home, or refinancing an outstanding loan.
4165 Westport Rd, Suite 204, Louisville, KY, 40207
MM Lending, in Louisville, KY, is a private lending association that provides short-term financing to residential "fix and flip" investors. and also MM Lending offers short-term, hard money loans for residential real estate investors.are the primary means of funding for these investors.
