USDA VS FHA in Morehead, Rowan County, KY

In 2025, USDA loan limit in Morehead, county of Rowan, 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 Morehead, county of Rowan, 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 Morehead, 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?



  • UNITE Credit Union
  • 802 West 29th Street, Cedar Falls, IA, 50613
  • UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.
  • Cedar Falls Community Credit Union
  • 123 W 4th Street, Cedar Falls, IA, 50613
  • CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.
  • EquiFund Mortgage
  • 3390 Kori Road, Suite 11, Jacksonville, FL, 32257
  • We offer a full service digital mortgage market place, where consumers can identify the lowest rate fee loans from the Nations best lenders and close their loan request. We do not charge any fees, and are compensated by the lowest rate lender for performing the work and funding the loan.
  • City & Police Federal Credit Union
  • 4675 Sunbeam Road, Jacksonville, FL, 32257
  • City & Police Federal Credit Union was chartered in 1935 as a financial institution owned by its members who are joined by a common bond.Which brings us to the present. We are a full service financial institution with five convenient locations. Best of all we understand our purpose; "Serving the Financial Needs of Our City's Best".
  • Forever Home Loans
  • 3400 KORI RD, Suite 4, Jacksonville, FL, 32257
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • CCS Home Loans
  • 2814 Spanish Cove Trail, Jacksonville, FL, 32257
  • Consumer Credit Services was chartered in 1998, after the founder realized that the mortgage lending environment fell short of offering diligent long term lending solutions that incorporated a true plan that matched the clients goals. In most cases, the representation and loan products offered, while providing short term benefits,
  • Tidor Properties
  • 9957 Moorings Drive, Suite 203, Jacksonville, FL, 32257
  • Our team has several years of experience and a desire to become the best in the business. Unlike many of the larger nationwide mortgage companies, all your information will be kept secure and private. Our name is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime.
  • TrustLine Mortgage, Inc.
  • 6101 Gazebo Park Place North, Suite 108, Jacksonville, FL, 32257
  • TrustLine Mortgage, Inc. has been a leading mortgage banker in Florida since 1989. we are committed to offering our clients the most competitive and innovative mortgage loan products and best customer service available anywhere. TrustLine Mortgage offers a variety of lending options designed to meet your specific needs.
  • Decorah Bank and Trust Co
  • 202 East Water Street, Decorah, IA, 52101
  • Established in 1935 during the depression by a small group of concerned citizens. Today we are a 2nd and 3rd generation family owned bank that is able to think differently because we're not owned by outside investors at a far-away headquarters. By being family and employee owned we're able to be uniquely responsive to customer and community needs.
  • Baybank
  • 104 South Tenth Street, Gladstone, MI, 49837
  • We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula. Baybank Corporation is located in Gladstone, MI, United States and is part of the Depository Credit Intermediation Industry. Baybank Corporation has 32 total employees across all of its locations
  • First Bank, MI
  • 1400 Delta Avenue, Gladstone, MI, 49837
  • First National Bank in Gladstone was established on August 14, 1916. Five years later, a quote from the "Delta County Reporter" reflected on the bank's practice of "modern banking methods in which the public is given the benefits of all accommodations in which safety and conservative management will permit.