USDA and FHA Pro and Con in Paintsville, Johnson County, KY
For 2026, the USDA loan limit in Paintsville, Johnson, KY is $336,500, while the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator helps you compare today's best USDA versus FHA rates. It also determines the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program for your financial situation in Alabama.
2026 Loan Limits and Down Payment Requirements in Paintsville, Johnson, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Paintsville, KY
The aim at Lendersa® is to quickly connect you to the best USDA or FHA loan options without hassle. Start by selecting one of three pathways that will pair you with matching lenders and USDA loan programs.
The USDA home loan, also referred to as the USDA rural development loan, is guaranteed by the Department of Agriculture and available only in rural regions. Unlike FHA loans, which require a 3.5% minimum down payment, the USDA mortgage mandates no down payment.
At Citizens Bank of Kentucky we believe banking is an experience. We recognize you have a choice when it comes to selecting a banking partner. To our present customers, we are grateful for your business. Our pledge to you is that we will continually find ways to create more value for your banking relationships.
Eastern Kentucky Federal Credit Union is a federally regulated, and non-profit credit union, established in 1969 by the employees of Kentucky West Virginia Gas Company located in Eastern Kentucky. On April 1, 2015 the board of directors voted to change the name to Eastern Kentucky Federal Credit Union.
Bank of the Mountains opened its doors in September 1973. As one of the few family-owned banks left in our state, we understand that relationships matter & strive daily to ensure that our customers are treated right.Nothing is more important to us than our customers feeling they have a partner they can depend on to accomplish their financial goals.
Since 1902, First National Bank has been building and believing in relationships with one goal in mind -- bringing you the best community banking has to offer. First National Bank remains at the forefront, bringing you innovative and real solutions in the professional, customer-focused environment you deserve.
Citizens Bank & Trust Co. was established in 1962 to provide the highest quality of banking services for the citizens of Breathitt and surrounding counties. As co-founder Circuit Judge Ervine Turner said, "A good bank dedicated to the service of the little man and his financial needs
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