USDA Vs. FHA Pro and Con comparison in Morehead, Rowan County, KY
In 2025, the USDA loan limit for Morehead, situated in Rowan, KY, is $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates. Determine the necessary income, credit score, reserves, and required documents for qualification. Our advanced mortgage calculator allows for side-by-side assessment of USDA, FHA, Conforming, and VA loans, aiding in deciding which program in fits your financial needs best.
2025 Loan Limits and Down Payment Details in Morehead, Rowan, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Morehead, KY
Lendersa® is committed to providing you with the best USDA or FHA loans quickly and without hassle. Select from three starting points to connect with matching lenders offering USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available in rural areas only. Unlike FHA loans that require a 3.5% down payment, USDA loans require none, simplifying the process for eligible buyers.
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