USDA Vs. FHA your options comparison in Rineyville, Hardin County, KY

In the year 2025, the USDA loan limit for a single-family home in Rineyville, located in Hardin, KY, is $336,500. Meanwhile, the FHA limit stands at $472,030.

To compare today's best rates for USDA versus FHA, use the Lendersa® USDA loan calculator. It helps to determine the necessary income, credit score, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to examine USDA, FHA, Conforming, and VA programs side by side, providing clarity on which option in is most suitable for your financial needs.

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2025 loan limits and down payment requirements for Rineyville in Hardin, 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 Rineyville, KY

At Lendersa®, our aim is to get you the ideal USDA or FHA loan quickly and effortlessly. You can begin with any of three approaches, each leading to a collection of lender matches and USDA loan options.

Lendersa USDA loan request and matching results

Defining a USDA Loan in KY

A USDA home loan, insured by the government's Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.

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



  • Bank of Utica
  • 222 Genesee Street, Utica, NY, 13502
  • Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
  • Utica District Telephone Employees Federal Credit Union
  • 2812 Genesee Street, Utica, NY, 13502
  • Utica District Telephone Employees FCU provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families. Utica District Telephone Employees Federal Credit Union, located at 2812 Genesee St, Utica, New York, provides a complete range of financial services to employees of Verizon.
  • AdventHealth Credit Union
  • 351 S State Road 434, Suite 1009, Altamonte Springs, FL, 32714
  • Our mission statement is to empower members to achieve their financial goals. AdventHealth Credit Union is committed in its support to the mission of its sponsor, by providing employees/members with quality service. Our vision statement is to be a member friendly financial institution, adapting to our members needs.
  • Ntrust Lending, Inc.
  • 7012 Gerrards Cross, Plano, TX, 75025
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Texas Mortgage Mart
  • 8008 Strecker Lane, Plano, TX, 75025
  • Texas Mortgage Financing I work with various lenders and will find a loan that best fits your needs & budget, gathering appropriate documentation throughout the process and provide full support to ensure a smoother loan closing process you can gain a better understanding of what’s available to you
  • Aid Home Loans Inc
  • 2450 N SR 434, Suite 2019, Altamonte Springs, FL, 32714
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Central Funding Inc
  • 237 S. Westmonte Dr,Suite 315, Rockledge, FL, 32714
  • At Infinity Mortgage Group, Inc, where we specialize in residential mortgages. At Infinity Mortgage Group, Inc, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • MTP Mortgage
  • 10185 Custer Rd, Suite 300, Plano, TX, 75025
  • MTP Mortgage is a Texas Mortgage Broker based in Plano, Texas and serves clients purchasing or refinancing a home or commercial property located anywhere in Texas. We offer every loan program available and find the very best loan program for our clients’ unique situation and at very competitive interest rates and low fees.
  • Lend Florida
  • 238 N. Westmonte Dr, Suite 120, Altamonte Springs, FL, 32714
  • Lend Florida works to bring significant change in people’s lives by providing them suitable mortgage financing options with high attention to customer service, speed, and competitive rates on the mortgage with minimal closing costs. From the purchase of your new home to refinancing, our team is ready.