USDA Vs. FHA your options comparison in Shepherdsville, Bullitt County, KY
In 2026, the USDA loan limit in Shepherdsville, within the county of Bullitt, KY, is set 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 leading USDA versus FHA rates. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows side-by-side evaluation of USDA, FHA, Conforming, and VA options to determine the best option for your financial requirements in .
2026 Loan Limits and Down Payment Requirements in Shepherdsville, Bullitt, 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 Shepherdsville, KY
Lendersa® aims to efficiently connect you with the best USDA or FHA loans without hassle. Select one of three starting points to link with lenders and explore USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. Available only in rural areas, USDA loans require no down payment, unlike FHA loans needing at least a 3.5% down payment, easing the pathway to buying a home.
Autotruck Financial Credit Union was chartered in the State of Kentucky on June 13, 1961 as a not for profit cooperative to serve the employees of the Ford Motor Company. In 1965, the Credit Union was granted a Federal Charter & operated under Federal Law until 2011. On November 8 2011 the State of Kentucky issued the Credit Union a state charter.
Class Act Federal Credit Union was established by a small group of JCPS teachers in 1954 to serve the personal finance needs of JCPS teachers and other school employees. At that time, teachers had very limited access to loans or credit of any kind. The credit union filled this need and did so at very competitive rates.
Since 1998 it has been our the mission of Jefferson Financial Services to provide auto, vacation, hardship and personal loans for any reason. Our friendly, knowledgeable and professional team work to help people that can’t get a loan with a conventional loan institution. We understand that unexpected hardships happen in peoples lives.
Beacon Community Credit Union was chartered in 1947 to serve the employees of the Naval Ordnance Station in Louisville, Kentucky and was originally named Louisville Naval Ordnance Plant Employees Credit Union.
With the closure of the Naval Ordnance Plant in 1995, we had to branch out to remain a thriving credit union.
Choosing a loan provider can be both confusing and time consuming. There are so many providers out there that the loan process can sometimes become overwhelming. Commonwealth Capital Mortgage is there help you every step of the way, to reduce stress and help you focus on what is most important - your normal life!
KEMBA Louisville Credit Union was chartered by the Commonwealth of Kentucky on May 3, 1934. The Credit Union was one of 16 credit unions formed in 1934 to serve the employees family members of the The Kroger Company’s Louisville Marketing Area.
The first Credit Union office was located in the Kroger complex on Garland Street in Louisville.
Abound Credit Union Headquartered in Radcliff, Kentucky, we are 17 branches strong and offer smart banking solutions to over 100, 000 members throughout Central Kentucky. We are the largest Kentucky based credit union and believe that together we can make more possible. If you are looking for more in life, and a bank, we’re here for you. Together w
West Point Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.
