USDA Vs. FHA your options comparison in Morganfield, Union County, KY
In 2026, the USDA loan limit in Morganfield, Union county, KY, is $336,500, while the FHA limit for a single-family home is $472,030.
Use Lendersa® USDA loan calculator to assess the benefits of today's USDA versus FHA rates and identify the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator shows you USDA, FHA, Conforming, and VA side by side to decide the best program for your financial situation in .
2026 Loan Limits and Downpayment Requirements in Morganfield, Union, 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 Morganfield, KY
Lendersa® aims to connect you with the best USDA or FHA loan quickly and efficiently. Choose one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and also called a USDA rural development loan, is available only in rural areas. In contrast to FHA loans that need a minimum 3.5% down payment, USDA loans do not require a down payment.
Gibbs Aluminum Federal Credit Union has been open since 1967. Located at 3093 Ohio Drive in Henderson Kentucky, GAFCU provides banking to more than 1,000 members. Membership is current open to all Gibbs Die Casting team members and to immediate family of current members. The Gibbs Aluminum Federal Credit Union is a federally-chartered employee.
At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.
The Peoples Bank was founded in 1946 in Marion, KY. We currently have two locations in Marion and a full service Sales Center in Glasgow, KY that opened in 2010. We have 20 employees totaling over 150 years of banking experience. We are a small community bank offering all the products.
At Farmers Bank & Trust, we want to change your ideas about what a bank can do for you. For us, doing the right thing is the only thing. Because for us, your story becomes our story. Whatever life throws at you, we’ll be right here when and where you need us—whether it’s on the same corner that we were founded on in 1899.
