USDA Vs. FHA your options comparison in Shively, Jefferson County, KY
In 2026, the USDA loan limit for Shively, within the county of Jefferson, KY, is set at $0. By contrast, the FHA loan limit for a single-family home is established at $472,030.
Take advantage of Lendersa®'s USDA loan calculator to assess the current optimal rates for USDA versus FHA loans. Identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage tool displays USDA, FHA, Conforming, and VA loan options side by side, assisting you in deciding which program in is most suitable for your financial scenario.
2026 Loan Limits and Down Payment Requirements in Shively, Jefferson, KY
Loan Type
Loan Limit
Down Payment Percentage
USDA
$0
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Shively, KY
The aim of Lendersa® is to secure you the best USDA or FHA loans swiftly and efficiently, without any unnecessary steps. Choose from one of three starting points to connect with the appropriate lenders and USDA loan programs.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture. It's designed for rural areas exclusively. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans are available with zero down payment needed, offering an easier path to homeownership.
LHOME combats historic redlining and institutional racism by providing access to low-interest loans and financial coaching services. These services are greatly needed, primarily by African American low-income residents of West Louisville who want to grow their small businesses, increase their credit scores,
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!
Chemco Federal Credit Union has been serving members since 1967. Today, Chemco Federal is now serving 30 SEGs, with the BFGoodrich Company being our original sponsor group. The Credit Union is a non-profit organization owned and operated by the membership. Each member has ownership in the Chemco Federal Credit Union by their five (5) dollar share.
850 Dixie Highway, Forester Center 1, Louisville, KY, 40210
Lends in Kentucky
Founded in 1936, Brown-Forman Employees Credit Union provides a wide range of financial products with a personal touch and genuine concern for our members that sets us apart from the other financial institutions. Credit unions were formed with one concept in mind, "people helping people.
Since 1996, Discount Equity Services Inc. has been serving the Kentucky area. We can provide pre-approval letters in less than an hour. We always keep up with and pass on the best interest rates possible. We also have some of the quickest closings in the industry. Let our experience help your experience.
Founded in 1924, by United States Post Office Employees in Louisville KY, the Louisville Federal Credit Union is the oldest Credit Union in the state of Kentucky. The Credit Union still exists for one reason, to serve the financial needs of its members. The Credit Union’s founding fathers recognized that a cooperative financial institution.
