USDA Vs. FHA your options comparison in Oakbrook, Boone County, KY

In 2025, within the county of Boone, KY, the USDA loan limit for Oakbrook is $336,500. Conversely, the FHA loan limit for a single-family home is set at $472,030.

Leverage the Lendersa® USDA loan calculator to evaluate and contrast today’s best USDA versus FHA rates. Determine the necessary income, credit ratings, reserves, and required documents for qualification. Our advanced mortgage calculator provides a comprehensive side-by-side look at USDA, FHA, Conforming, and VA loans. This will enable you to assess which program in is the most suitable for your specific financial landscape.

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2025 Loan Limits and Down Payment Requirements in Oakbrook, Boone, KY

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

USDA and FHA Loan Opportunities in Oakbrook, KY

The primary objective of Lendersa® is to ensure you access the best and most favorable USDA or FHA loans quickly and without complications. You are invited to select one of three pathways to connect with compatible lenders and explore appropriate USDA loan programs that match your needs.

Lendersa USDA loan request and matching results overview

Understanding USDA Loans in KY

The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. Designed specifically for rural neighborhoods, these loans do not require a down payment, unlike FHA loans, which necessitate a minimum of 3.5% down payment. This advantageous feature facilitates greater ease of access to homeownership for eligible rural residents.

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



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