USDA and FHA Pro and Con in Murray, Calloway County, KY

In the year 2025, the USDA loan limit for Murray, county of Calloway, KY, is determined to be $336,500. Meanwhile, the FHA loan limit for a single-family home is set at $472,030, offering distinct benchmarks for homebuyers in this region.

Leverage the Lendersa® USDA loan calculator to effectively compare today’s best USDA versus FHA rates. This comprehensive tool helps you determine the necessary income, credit standing, reserves, and documents required to qualify. With our advanced mortgage calculator, seeing the USDA, FHA, Conforming, and VA options side by side, you can identify the best program for your financial requirements in Alabama.

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Exploring Loan Limits and Downpayment Requirements for 2025 in Murray, Calloway, KY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Understanding USDA and FHA Loan Options in Murray, KY

The mission of Lendersa® is to secure the ideal USDA or FHA loan for you quickly and without hassle. Choose one of three pathways designed to connect you with matching lenders and USDA loan programs tailored to fit your personal requirements.

Lendersa USDA loan request and matching results

What is a USDA Loan in KY?

The USDA home loan, guaranteed by the U.S. Department of Agriculture, is also commonly known as a USDA rural development loan or USDA mortgage. Available exclusively in rural neighborhoods, this loan provides a unique opportunity for those eligible. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them especially attractive for buyers in rural areas.

Enter your location to find out if it qualifies for USDA rural housing loan?



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