In 2026, within Middlesborough, located in the county of Bell, KY, the USDA loan cap is $336,500, whereas the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to weigh today’s leading USDA versus FHA rates. Figure out the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in
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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 target of Lendersa® is to swiftly connect you with the most competitive USDA or FHA loans with no hassle. Choose one of three paths to find matching lenders and USDA loan programs.
A USDA home loan, also termed a USDA rural development loan or USDA mortgage, is backed by the government's Department of Agriculture and is intended solely for rural regions. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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