FHA Vs. USDA loan program for Owensboro, Daviess County, Kentucky

In 2026, for the region of Owensboro in the county of Daviess, KY, the USDA loan limit is determined at $336,500. On the other hand, the FHA limit applicable for a single-family home is set at $472,030.

The Lendersa® USDA loan calculator is an effective tool to measure today’s leading USDA vs. FHA rates, helping you to ascertain the required income, credit, reserves, and documentation needed for loan qualification. With our advanced mortgage calculator, you can evaluate the USDA, FHA, Conforming, and VA options side by side, aiding your decision as to which program in Alabama best suits your particular financial needs.

Understanding USDA and FHA Loan Options in Owensboro, KY

The primary aim of Lendersa® is to facilitate your access to the most beneficial USDA or FHA loan available, doing so quickly and with no hassle. Choose one of three proposed pathways that will align you with matching lenders and suitable USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

What is a USDA Loan in KY?

A USDA home loan is a form of financial support guaranteed by the United States government through the Department of Agriculture. Also known as the USDA rural development loan or USDA mortgage, it is exclusively available in rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans necessitate no down payment. This feature makes it an attractive choice for eligible borrowers in rural areas seeking home financing opportunities.

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Owensboro Lenders
(270) 685-1025 Lender's profile and map Modern Employees Federal Credit Union 1727 Moseley Street, Owensboro, KY, 42303 Lends in Kentucky Modern Employee Federal Credit Union is a not-for-profit financial cooperative which was chartered in 1953. The Mission of MEFCU is to provide a variety of services, which benefits our members/owners, with the primary goal of helping them enhance their personal finances. In keeping with our mission statement
(270) 926-0210 Lender's profile and map Green River Area Federal Credit Union 3000 Highway 144, Owensboro, KY, 42303 Lends in Kentucky Green River Area Federal Credit Union has been serving its members with top quality financial products and services since 1959. The Credit Union is a true representation of the ""people helping people"" philosophy unique to all credit unions. The Credit Union provides members with a safe place to save money and obtain credit
(270) 684-8954 Lender's profile and map Daviess County Teachers Federal Credit Union 1900 Southeastern Parkway, Owensboro, KY, 42303 Lends in Kentucky The Daviess County Teachers Federal Credit Union is a not-for-profit financial cooperative which was chartered in 1971 and established to serve the employees of Daviess County Public Schools and their families. What began as a small organization has now grown into a full service financial institution.
(270) 570-2237 Lender's profile and map Elite Mortgage 3943 Hwy 54, Owensboro, KY, 42303 Lends in Kentucky Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(270) 686-1776 Lender's profile and map Independence Bank 2425 Frederica St, Owensboro, KY, 42301 Lends in Kentucky Independence Bank sought to create a banking revolution. Shortly after appointing the Bank’s current CEO in 1991, Independence Bank arrived at a flashpoint in this mission. It was a time when financial multinationals marched through communities annexing smaller banks. Centralized, “big bank” practices became the norm.
(270) 295-3422 Lender's profile and map Labor Management Federal Credit Union 8225 US Highway 60 W, Lewisport, KY, 42351 Lends in Kentucky Labor Management FCU was chartered on December 18, 1974. The membership was chartered for Employees of Harvey Aluminum. Harvey Aluminum later became Martin Marietta, Commonwealth Aluminum & is known today as Aleris Aluminum. Today Aleris Aluminum employees 1000+ employs and is a global leader in the manufacture and sale of aluminum rolled products.
(270) 927-8293 Lender's profile and map Kraftcor Federal Credit Union 2960 Squirrel Tail Hollow Road, Hawesville, KY, 42348 Lends in Kentucky Kraftcor Federal Credit Union was originally founded in 1972 by a group of men that worked together at Wescor and Western Kraft paper mills in Hawesville, Kentucky. They believed in the Credit Union movement and wanted to start a financial institution that was owned by its members.
(270) 298-3261 Lender's profile and map Commonwealth Community Bank, Inc. 830 South Main Street, Hartford, KY, 42347 Lends in Kentucky Commonwealth Community Bank Inc of Hartford of Kentucky operates as a financial cooperative. The Bank provides financial solutions such as loans, investment, savings, credit and debit cards, online banking, and other related services. Commonwealth Community Bank Inc serves communities in the State of Kentucky.