USDA Vs. FHA Pro and Con comparison 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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  • Athena Paquette, M.A.
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  • Family 1st Mortgage
  • 21250 Hawthorne Boulevard, Suite 700, Torrance, CA, 90503
  • Family 1st Mortgage always a good time to purchase your very first home, securing your part of the American Dream. Interest rates are at an all time low Pre-qualify today for free and also Family 1st Mortgage Specialties in fha loan, VA loan,CONVENTIONAL LOANS, USDA LOAN REVERSE MORTGAGE and more facility.
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  • General Realty Group Inc.
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  • "General Realty Group, Inc. offers consumers a wide variety of mortgage products at competitive rates and terms delivered with exceptional service and support throughout the entire loan process. We offer a full line of loan products including FHA/VA and Conventional Loans, including fixed and adjustable options."
  • Equity Financial Mortgage
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  • Real Estate Dreams & Investments
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