USDA Vs. FHA Pro and Con comparison in Massac, McCracken County, KY

In 2025, USDA loan limit in Massac, county of McCracken, KY is $336,500 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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2025 loan limits and downpayment requirments in Massac, county of McCracken, KY

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

USDA and FHA loan options in Massac, 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.

Lendersa USDA loan request and matching results

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.

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



  • Highland Federal Finance
  • 2051 Killebrew Drive, Suite 650, Minneapolis, MN, 55425
  • Highland Federal Finance is committed to providing solutions to meet your financing needs. Whether you are searching for a home, auto, business, or unsecured loan, our experienced professionals are ready to assist you in achieving your financial goals. Highland Federal Finance works with multiple lenders.
  • TruStone Financial Credit Union
  • 2772 E 82nd St, Bloomington, MN, 55425
  • Our mission is to provide simple and fairly priced financial tools that allow members to save, borrow, and transact. We do this by engaging, educating and supporting our members to ensure they have the means to make their lives better. Our vision is to create a financial institution that people respect, admire.
  • Front Royal Federal Credit Union
  • 230 North Royal Avenue, Front Royal, VA, 22630
  • Chartered in 1949, Front Royal Federal Credit Union began its tradition of “people helping people” to save regularly and provide a source from which to borrow at low interest rates. Earnings remaining after expenses and capital reserves are returned to members in the form of more competitive share
  • CBM Mortgage, Inc
  • 912 Hometown Way, Front Royal, VA, 22630
  • CBM Mortgage is a locally owned and operated Mortgage Company located in the Shenandoah Valley. We provide home loans for the entire state of Virginia. What makes us different? Customer Service and Accountability. We are a direct lender with control over the entire process from processing, underwriting, to closing.
  • First State Bank
  • 102 E Broadway, Randolph, NE, 68771
  • First State Bank has been continuously serving the communities of Northeast Nebraska for nearly five generations. Founded in 1887 as The Randolph State Bank, the present-day building stands just one city block from the original site at Broadway and Douglas Street. Since our beginning we’ve remained a full service, independent community bank.
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  • 8111 Lyndale Avenue South, Bloomington, MN, 55420
  • Toro Federal Employees Credit Union offers comprehensive financial services to Toro employees who live in the United States, as well as their immediate family members. Immediate family members include: spouses, children, stepchildren, parents, grandparents, grandchildren, brothers and sisters.
  • My Credit Union
  • 9550 Lyndale Avenue S, Minneapolis, MN, 55420
  • Established in 1957 by local educators, My Credit Union (formerly RBCU) is committed to improving the quality of its members lives by helping to educate them to make the best financial decisions, provide them with the best personal and remote access service, and strengthen the communities it serves by giving back both time and money.
  • Superior Financing, Inc.
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  • Expedition Credit Union
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  • Expedition Credit Union was established in 1957 to benefit Minnesota Education Association members. Originally named MEA Credit Union, we assisted with the specific financial needs of the education community. Throughout the years — from strikes and natural disasters, to times of prosperity — the credit union was there.