USDA Loan Vs. FHA loan for Providence, KY 2026

In the year 2026, the USDA loan ceiling in Providence, belonging to Webster County, KY, is $336,500. For a single-family dwelling, the FHA cap is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates, determining income, credit, reserves, and necessary documents to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to help determine which program in suits your financial situation best.

USDA and FHA Loan Options in Providence, KY

The goal of Lendersa® is to quickly and easily provide you with the best USDA or FHA loan. Choose one of three starting points that lead to lender matches and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan, backed by the U.S. Department of Agriculture—also referred to as a USDA rural development loan or a USDA mortgage—is available only in rural areas. FHA loans require at least a 3.5% down payment, but USDA loans do not require any down payment.

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(270) 326-6100 Lender's profile and map Regional Medical Center EFCU 200 Clinic Drive, Madisonville, KY, 42431 Lends in Kentucky RMC Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the RMC Employees Federal Credit Union will continue a sound yet progressive asset management strategy
(270) 821-5555 Lender's profile and map First United Bank and Trust Company 162 North Main Street, Madisonville, KY, 42431 Lends in Kentucky First United Bank and Trust Company is a real community bank, formed in 1996 to fill a need for traditional, personal banking in the area. Today, even though we’ve grown, our roots remain in community banking. Our focus is to support the communities we serve with the best possible products and services.
(270) 875-4640 Lender's profile and map Franklin Financial Group 329 North Main Street, Madisonville, KY, 42431 Lends in Kentucky Working together, we have a common focus – a personal interest in meeting all your investment, insurance, financial planning, and retirement needs as they change throughout your lifetime. When you are a client of Franklin Financial Group, our goal is treat you like one of the family.
(270) 365-5526 Lender's profile and map Farmers Bank and Trust Company PO Box 559, Princeton, KY, 42445 Lends in Kentucky FARMERS BANK AND TRUST COMPANY is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #J6GLPKB2MRG2. The business address is 111 W Washington St, Princeton, KY 42445-1907, USA. The point of contact name is Scott Laffoon.
(270) 965-3188 Lender's profile and map The Peoples Bank 116 South Main Street, Marion, KY, 42064 Lends in Kentucky The Peoples Bank was founded in 1946 in Marion, KY. We currently have two locations in Marion and a full service Sales Center in Glasgow, KY that opened in 2010. We have 20 employees totaling over 150 years of banking experience. We are a small community bank offering all the products.
(270) 965-3106 Lender's profile and map Farmers Bank & Trust Co 201 S Main St, Marion, KY, 42064 Lends in Kentucky At Farmers Bank & Trust, we want to change your ideas about what a bank can do for you. For us, doing the right thing is the only thing. Because for us, your story becomes our story. Whatever life throws at you, we’ll be right here when and where you need us—whether it’s on the same corner that we were founded on in 1899.
(270) 545-3301 Lender's profile and map Fredonia Valley Bank 602 Cassidy Ave, Fredonia, KY, 42411 Lends in Kentucky On October 30, 1894, a group of men consisting of S.H. Cassidy, W.F. McMurray, H.E. Rice, D.T. Byrd, W.C. Rice, J.C. Elder, J.T. Woolf, William M. Green, S.C. Bennett, A. Boaz, H.C. Rice, W.B. Bennett, M.B. Lowery, and A.S. Threlkeld met for the purpose of organizing a bank in Kelsey, KY. A committee was appointed to solicit stock subscriptions.
(270) 736-2212 Lender's profile and map The Sacramento Deposit Bank 335 Main Street, Sacramento, KY, 42372 Lends in Kentucky The Sacramento Deposit Bank was given a first authorization on October 14, 1895 by and between J.T. Morehead, Wilson & Gabbert, Coffman Brazzell Company, J.R. Vickers, G. Quisenberry, Gish and Igleheart, Wm. Jagoe Sr, T.W. Whitmer, A.J. Milan, J.A. Shutt, G.W. Martin, all of McLean County, Kentucky
(270) 827-7808 Lender's profile and map Gibbs Aluminum Federal Credit Union 3093 Ohio Drive, Henderson, KY, 42420 Lends in Kentucky Gibbs Aluminum Federal Credit Union has been open since 1967. Located at 3093 Ohio Drive in Henderson Kentucky, GAFCU provides banking to more than 1,000 members. Membership is current open to all Gibbs Die Casting team members and to immediate family of current members. The Gibbs Aluminum Federal Credit Union is a federally-chartered employee.