USDA Loan Vs. FHA loan for Louisville, KY [Jefferson County Rates 2023]

In 2025, USDA loan limit in Louisville, county of Jefferson, KY is $0 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 Louisville, 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.

(785) 336-6121 560 miles Lender's profile and map Reviews The State Bank of Bern 402 Main St, Bern, KS, 66408 The State Bank of Bern and its State Bank of Axtell branch have been cornerstones of the Bern and Axtell communities for 120+ years. We are proud to be a locally owned bank with decisions made right here in our communities, so we can give our customers the kind of ‘home town’ service they have become accustomed to over the years.
(918) 272-5301 560 miles Lender's profile and map Reviews First Bank of Owasso 8601 North Garnett Road, Owasso, OK, 74055 Our Mission is to build mutually beneficial relationships by providing financial services to clients with integrity, caring, and excellence. Our Vision is to To help build the Kingdom by providing financial services and expertise in a responsive and God honoring manner. We conduct business based on principle, and not simply for profit.
(918) 272-2224 560 miles Lender's profile and map Reviews American Mortgage Professionals, LLC 12899 E. 76th St. N, Suite 102, Owasso, OK, 74055 American Mortgage Professionals, LLC has over 25 years of mortgage lending experience in Oklahoma as well as throughout the United States. Our team is committed to providing our clients with the highest quality financial services in a fast, efficient manner. Our outstanding mortgage professionals will work.
(833) 838-7178 560 miles Lender's profile and map Reviews 1st State Mortgage 2100 Drummond Plaza, Bldg 2, Newark, DE, 19711 Our Mission is to provide our clients with timely & detailed knowledge, as well as exceptional customer service & communication throughout the entire mortgage process. Our local, friendly & professional team ensures a smooth experience from application to closing. The Mortgage Consultants at 1st State Mortgage are experienced VA home loan experts.
(302) 266-9500 560 miles Lender's profile and map Reviews Delaware Financial Mortgage 22 Polly Drummond Hill Road, Newark, DE, 19711 Delaware Financial Mortgage, we can help. An area expert for over 15 years, we are a full-service mortgage company based in Newark, DE. Whether you are buying a home or refinancing our team of professionals and We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products.
(302) 892-2811 560 miles Lender's profile and map Reviews Pike Creek Mortgage Services, Inc. 2100 Drummond Plaza, Bldg. 2, Newark, DE, 19711 "Pike Creek Mortgage Services, Inc. has a history of providing consistent and dependable service. We are pleased to offer customized, trusted solutions to meet your home buying needs, no matter what the existing market conditions. With over 24 years experience in the mortgage industry, our qualified,"
(302) 368-2396 560 miles Lender's profile and map Reviews Community Powered Federal Credit Union 1758 Pulaski Highway, Bear, DE, 19701 Joseph Leary, the first president of DPL Federal Credit Union, spearheaded the opening of our credit union in 1962. His goal was to "make the financial welfare of credit union members the number one priority." With that thought and the limited vision of serving the employees of the Delmarva Power & Light Company.
(302) 273-1500 560 miles Lender's profile and map Reviews True Value Financial LLC 206 Hazel Drive, Bear, DE, 19701 "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending."
(302) 318-6858 560 miles Lender's profile and map Reviews Integrity First Mortgage LLC 9 Peddlers Row, Newark, DE, 19702 Integrity first Mortgage Company, our goal is to make it easy and affordable for borrowers to find solutions to their financial challenges. As a result, we make the process easy for you to get the loan you need. Above all, Integrity First Mortgage provides lending on a large variety of residential properties throughout
(302) 504-6232 560 miles Lender's profile and map Reviews Highlands Mortgage, LLC 56 W. Main Street, Suite 102-A, Newark, DE, 19702 Highlands Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
(620) 342-2336 560 miles Lender's profile and map Reviews Emporia State Federal Credit Union 310 W 12th Avenue, Emporia, KS, 66801 Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.