USDA VS FHA in Reidland, McCracken County, KY

In the year 2025, the USDA loan limit for Reidland, within McCracken county, KY, is established at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's competitive USDA and FHA rates, and evaluate the income, credit, reserves, and documentation required for qualification. Our comprehensive mortgage calculator allows you to assess USDA, FHA, Conforming, and VA loans side by side to help identify the best program in Alabama for your financial scenario.

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Loan Limits and Down Payment Requirements for 2025 in Reidland, McCracken, KY

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

Exploring Options for USDA and FHA Loans in Reidland, KY

Lendersa®'s mission is to swiftly provide the best USDA or FHA loan without hassle. Begin by selecting one of three pathways that lead to aligning with lenders and obtaining USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan, guaranteed by the Department of Agriculture—sometimes referred to as the USDA rural development loan or mortgage—is available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require no down payment at all.

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



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