USDA Vs. FHA your options comparison in Paducah, McCracken County, KY

During 2025, the USDA loan limit for Paducah county of McCracken, KY is set at $336,500. Meanwhile, the FHA limit applicable to a single-family home is $472,030. This provides homebuyers with important boundaries for their mortgage plans.

Leverage the Lendersa® USDA loan calculator to effectively compare the top USDA vs. FHA rates available today. This tool is instrumental in determining the essential income, credit standing, reserves, and necessary documentation to qualify for these loans. With our advanced mortgage calculator, you can assess the USDA, FHA, Conforming, and VA options side by side, offering critical insights to aid in selecting the best program for your financial needs in Alabama.

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Understanding Loan Limits and Downpayment Requirements for 2025 in Paducah, McCracken County, KY

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

Exploring USDA and FHA Loan Options in Paducah, KY

The goal of Lendersa® is to help you obtain the ideal USDA or FHA loan available swiftly and with minimal hassle. Begin by choosing one of three starting points, each designed to match you with lenders and USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching results

Defining the USDA Loan in KY

The USDA home loan is supported by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is specifically available in rural neighborhoods, providing a unique opportunity for eligible borrowers. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment, offering significant advantage to those qualifying within rural areas.

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



  • 5280 Mortgage Corporation
  • 10800 E Bethany Dr, Suite 100, Aurora, CO, 80014
  • 5280 is founded on the principle of "Do what is right for the customer." The 5280 team will guide and direct in the most ethical loan process possible. We want life long customers not just one time. We look at our clients as family and take care of them. and also We've been helping customers afford the home of their dreams.
  • Integrity 1st Financial, LLC.
  • 2950 S Jamaica Ct, Suite 302, Denver, CO, 80014
  • We are one of the most resourceful and dedicated team of commercial real estate mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
  • Certified Mortgage Pros LLC
  • 12796 East Wyoming Place, Aurora, CO, 80012
  • Certified Mortgage Pros LLC We've been helping customers afford the home of their dreams for many years and we love what we do. and also There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.
  • The Kyle Team LLC
  • 13404 East Asbury Drive, Aurora, CO, 80014
  • The Kyle Team, LLC is located in the beautiful state of Colorado. We understand Colorado's fast-paced real estate market and how to move quickly with it After thirty years in residential lending, including extensive knowledge in consumer credit, appraisal and title, our team is committed to providing families the best possible service.
  • CAA Financial LLC
  • 3033 South Parker Road, Suite 750, Aurora, CO, 80014
  • We specialize in helping hardworking people purchase or refinance their own home. It’s just one of the reasons why you should check your rates and weigh your options with us. and We’re committed to helping your small business find success with a unique combination of services and business expertise.
  • AMAC Mortgage Company
  • 2500 Victor Street, Unit B, Aurora, CO, 80014
  • At AMAC Mortgage Company. We are a full service mortgage company based in Aurora, CO. We specialize in JUMBO, FHA/VA, ALL HOME LOANS in AURORA, DENVER METRO, BOULDER, FT COLLINS and COLORADO SPRINGS area. We also serve the surrounding cities in Arapahoe County, Adams County, Boulder County,
  • Consumer Mortgage Services Inc
  • 3033 South Parker Road, Suite 202, Aurora, CO, 80014
  • At Consumer Mortgage Services, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We are approved with several lenders who offer all the agency backed loans such as VA, FHA, USDA
  • Aurora Financial, LLC
  • 2851 S Parker Rd, Suite 1260, Aurora, CO, 80014
  • Buying a home and obtaining a home mortgage is more than getting the best low mortgage rate. We're committed to making your mortgage financing process as easy and affordable as possible. We are based in Vienna, Virginia and specialize in home, construction, and commercial mortgage loans.
  • Collinsville Savings Society
  • 136 Main Street, Canton, CT, 06019
  • We offer a wide variety of services to meet the growing needs of our customers from young and growing families to professionals, seniors and business owners. Whether you are saving for college or need a large construction loan for your business - Collinsville Bank - A Division of Northwest Community Bank is here for you.
  • Assured Residential Mortgage Group LLC
  • 55 South 4th Avenue, Brighton, CO, 80601
  • I have been a mortgage& loan specialist for over 20 years. I have the knowledge & experience to help you through your home loan process, whether you are refinancing or purchasing, I will find the right terms to fit your budget. Asper Assured Residential Mortgage Group If you purchased your home in the last few years, now is the time to refinance!
  • Leader Mortgage Services
  • 12555 Orange Dr., Fort Lauderdale, FL, 33330
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.