USDA and FHA Pro and Con in Massac, McCracken County, KY

For 2025, the USDA loan limit set in Massac within McCracken county, KY, is $336,500, whereas for a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s competitive USDA and FHA rates. This tool assists in assessing the necessary income, credit rank, reserves, and documentation required for eligibility. Our sophisticated mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA options to guide you in selecting the ideal program in Alabama for your financial preferences.

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Loan Limits and Down Payment Needs for 2025 in Massac, McCracken, 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 Massac, KY

Lendersa® focuses on promptly acquiring the most favorable USDA or FHA loans. You can begin by choosing one of three initial steps to pair with lenders and secure the best USDA loan programs.

Lendersa USDA loan request and results

What Defines a USDA Loan in KY?

The USDA home loan, secured by the Government Department of Agriculture, also referred to as the USDA rural development loan or mortgage, is solely available in rural territories. While FHA loans necessitate a minimum down payment of 3.5%, USDA mortgages offer the benefit of requiring no down payment.

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



  • Brandywine Capital Advisors, LLC
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  • Franklin Mint Federal Credit Union has provided financial products and services to its members in the greater Philadelphia region and beyond since 1970. FMFCU presently ranks ninth in asset size among Pennsylvania credit unions and remains the largest financial institution headquartered in Delaware County, Pennsylvania. FMFCU has 100, 000 members
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  • At R.H.Cooper Ltd., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible.We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders
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  • "State Financial Network (SFN) is a wholly owned Credit Union Service Organization (CUSO), offering a unique blend of credit union philosophy and mortgage lending and servicing expertise. SFN has a nationwide servicing portfolio and a staff trained to handle your members in a personal, professional and efficient manner – just as you would."
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  • First Resource Bank is a locally owned and operated Pennsylvania state-chartered bank, serving the banking needs of businesses, professionals and individuals in the Delaware Valley. The Bank offers a full range of deposit and credit services with a high level of personalized service.
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  • Citadel is a not-for-profit credit union built on the unshakeable promise to serve those who work every day to build a better future for us all. For over 80 years, we’ve delivered a breadth of financial services, expert guidance, and innovative tools to help strengthen and grow businesses, families, and our local communities.
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  • 1701 Shallcross Avenue, Suite B, Wilmington, DE, 19806
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