USDA Loan Vs. FHA loan for Prospect, KY [Jefferson County ]

In 2025, the USDA loan limit for Prospect in the county of Jefferson, state of KY, is $0, whereas the FHA limit for a single-family residence is $472,030.

To assess and compare today's top USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. This tool helps you evaluate income, credit, reserves, and necessary documents for loan qualification. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the most suitable program in Alabama for your financial circumstances.

Options for USDA and FHA Loans in Prospect, KY

The primary goal of Lendersa® is to ensure you obtain the best USDA or FHA loan quickly and without complication. You can begin by choosing one of three entry options that connect you with lenders and ideal USDA loan programs.

Results of Lendersa USDA loan request and match

Understanding USDA Loans in KY

The USDA home loan, backed by the U.S. Department of Agriculture, known as the USDA rural development loan or mortgage, is available only in rural areas. Unlike FHA loans, which need a minimum down payment of 3.5%, USDA mortgages require no down payment.

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(606) 674-6317 Lender's profile and map Reviews Owingsville Banking Company 49 West Main Street, Owingsville, KY, 40360 The Owingsville Banking Company has a long and interesting history, but perhaps as interesting as the bank itself, is the building in which it resides. Since its charter in May of 1893, it has been housed in the "Owings House", a Federal-style dwelling constructed from 1811 to 1814.
(317) 462-1431 Lender's profile and map Reviews Greenfield Banking Company IN 1920 North State Street, Greenfield, IN, 46140 Greenfield Banking Company is a community bank opened in 1871 in Greenfield, Indiana. For 150 years Greenfield Banking Company has delivered high-quality financial solutions and personalized, friendly service. This service is fostered by a company culture of community involvement, support and volunteerism.
(317) 352-0423 Lender's profile and map Reviews Family Horizons Credit Union 6665 E 21st Street, Indianapolis, IN, 46219 Family Horizons was founded in 1954, when we received a credit union charter allowing us to serve the financial needs of Naval Avionics’ employees and their families. The original “branch” was located within the Naval Avionics facility, about a mile from where the current East 21st Street branch is located
(317) 351-5235 Lender's profile and map Reviews KEMBA Credit Union 444 South Shortridge Rd, Indianapolis, IN, 46219 On October 9, 1933, KEMBA Indianapolis Credit Union was chartered to serve the employees of the Kroger Company and their families in and around Indianapolis. The credit union was started by a group of Kroger employees who needed a safe place to save and borrow. KEMBA is an acronym for “Kroger Employee Mutual Benefits Association”.
(317) 846-4663 Lender's profile and map Reviews My Mortgage Quest Inc 1719 Sycamore Drive, Plainfield, IN, 46168 My Mortgage Quest, 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 represent a wide range of "A" rated lenders with first quality rates.
(317) 837-8000 Lender's profile and map Reviews 1st Choice Services, Inc 2680 E. Main St, Suite 325, Plainfield, IN, 46168 At 1st Choice Services, Inc, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
(812) 253-6928 Lender's profile and map Reviews Heritage Federal Credit Union 8266 Bell Oaks Dr, Newburgh, IN, 47630 Heritage Federal Credit Union began in 1965 as Warrick Employees Federal Credit Union for the employees at ALCOA Warrick Operations in Newburgh, Indiana. We had an interesting start to the credit union - United Steel Workers Local 104 union members started conducting financial transactions out of the trunk of a car.
(301) 637-8051 Lender's profile and map Reviews Topaz Mortgage 4583 Prescot Dr, Newburgh, IN, 47630 Topaz Mortgage company was designed to put integrity back into the lending business. We empower you, the homeowner and home buyers, by simplifying the loan process. We provide the exact closing cost and lowest interest rate available, and then we invite you to shop with other banks, lenders and brokers.
(270) 686-1776 Lender's profile and map Reviews Independence Bank 2425 Frederica St, Owensboro, KY, 42301 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.
(317) 248-8556 Lender's profile and map Reviews Indiana Members Credit Union PO Box 47769, Indianapolis, IN, 46247 Indiana Members Credit Union was established as Indiana University Medical Center Federal Credit Union in 1956 by employees of the Indiana University Medical Center, on what is today’s IUPUI Campus. Established as a member-owned, not-for-profit financial institution, founded on and by the employees of the IU Medical Center.
(317) 636-5581 Lender's profile and map Reviews Firefighters Credit Union 726 Massachusetts Avenue, Indianapolis, IN, 46204 Firefighters Credit Union was organized on March 1, 1956 at a meeting held at the old Fire Headquarters at 301 E. New York St. The purpose of the meeting was to bring into existence a cooperative venture to help meet the financial needs of firefighters and their families.The original volunteer charter members were Russell Iverson.
(317) 261-9000 Lender's profile and map Reviews The National Bank of Indianapolis 107 N. Pennsylvania St, Suite 700, Indianapolis, IN, 46204 The National Bank of Indianapolis is the largest locally-owned national bank headquartered in greater Indianapolis. With over $2 Billion in assets, we combine our expertise, local decision-making & tradition of superior service to deliver a full range of banking services to professionals, closely-held businesses & nonprofit organizations.