USDA Vs. FHA your options comparison in Mayfield, Graves County, KY
In 2026, the USDA loan limit set for Mayfield, located within Graves county, KY, is $336,500. For FHA, the limit on a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's top USDA versus FHA rates. Identify the essential income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator enables side-by-side viewing of USDA, FHA, Conforming, and VA loans, guiding you to determine the optimal program for your financial framework in .
2026 Loan Limits and Down Payment Requirements in Mayfield, Graves, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Traversing USDA and FHA Loan Options in Mayfield, KY
Lendersa® is committed to swiftly procuring the most advantageous USDA or FHA loans for you, free from hassle. Choose one of three starting methods that link you with compatible lenders and USDA loan programs tailored for your needs.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. It is exclusively available for properties in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA mortgages require no down payment, which facilitates accessible homeownership to eligible rural residents.
Your Hometown Federal Credit Union has been open since 1965. The credit union has assets totaling $27.24 Million and provides banking services to more than 2,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
First Kentucky Bank was founded in Mayfield, Kentucky, on March 6, 1899, as The Exchange Bank. First Kentucky Bank was established with a foundation of community-minded service and professional excellence that has allowed it to grow throughout its rich history, in times of both prosperity and adversity.
River Valley AgCredit is part of the nationwide Farm Credit System, providing financing for agriculture and rural living since 1916. We serve Western Kentucky as well as 12 counties in Tennessee with a total of 14 Service Centers conveniently located to serve you. We have more than $475 million in loans outstanding to more than 5, 000 members
Citizens Deposit Bank is a community owned bank rooted in Western Kentucky. The bank was chartered by the Commonwealth of Kentucky in 1949 & continues to serve the needs of citizens of Carlisle, Hickman, Ballard & surrounding counties. Our reputation of being a hometown bank with excellent customer service is known throughout the counties we serve.
We are all about the family, and where do we spend our family time, in the home. The American Dream of owning your own home is alive and WELL at Clinton Bank.We provide fixed and variable rate products in maturities up to 30 years. We have products that we service ourselves and those we sell into the secondary market.
At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.
MSU Federal Credit Union was established in 1978, we are the longest standing financial institution in Calloway County Kentucky. We have a wide variety of financial services to help meet our members short term and long term financial goals. We proudly serve employees and family members of Murray State University
The Murray Bank was voted the favorite bank in Murray & Calloway County for 18 years. We believe this is because we make sure each customer receives the best service, & assistance as they strive to reach their financial goals, When we ask our customers why they like banking with us, they consistently mention the high level of personal service.
Community Financial Services Bank (CFSB) was the first bank established in Marshall County in 1890. We currently serve 4 main market regions with 6 banking centers. Our community has always come first to us. That's why you, the community members, have been central to forming our mission statement from day one, that continues to this day.
