In 2026, the USDA loan limit for Ludlow, in the county of Kenton, KY, is $336,500, while for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. This tool helps you determine the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can analyze USDA, FHA, Conforming, and VA loans side by side to find the best program in Alabama tailored to your financial situation.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to quickly secure the most beneficial USDA or FHA loan for you, hassle-free. Choose from one of three starting points that lead to matching lenders with USDA loan programs.
A USDA home loan, guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or mortgage, is accessible in rural areas only. It differs from FHA loans, which require a minimum 3.5% down payment, as the USDA loan does not mandate a down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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