USDA and FHA Pro and Con in Middlesborough, Bell County, KY
In 2025, 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 .
2025 Loan Limits and Down Payment Requirements in Middlesborough, Bell, 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 Middlesborough, KY
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.
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