USDA and FHA Pro and Con in Simpsonville, Shelby County, KY
In 2026, the USDA loan limit for Simpsonville, in Shelby County, KY, is $336,500. For a single-family home, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s USDA versus FHA rates and identify the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program in is best suited to your financial needs.
2026 Loan Limits and Down Payment Requirements in Simpsonville, Shelby County, KY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Simpsonville, KY
Lendersa® aims to efficiently connect you with the best USDA or FHA loan possible. Start with one of three paths that link you with lenders and USDA loan offerings tailored to your needs.
A USDA home loan, secured by the U.S. Department of Agriculture and also known as a USDA rural development loan, is available only in rural locations. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment.
12700 Townepark Way, Suite 317, Louisville, KY, 40243
Lends in Kentucky
L3 Home Lending Provide your Realtor with the specifics of what you are looking for and then enjoy the hunt! Once you find what you are looking for, you and your licensed Realtor will put together a formal contract to the Seller and provide Earnest Money and We have access to financing options for just about any situation. From first-time buyers.
11408 Shelbyville Rd, Suite 3, Louisville, KY, 40243
Lends in Kentucky
At 1st Look Mortgage, we take a consultative approach to the mortgage loan process by customizing each home financing solution to ensure our customers achieve their home financing needs and goals. Any Loan Officer can provide a loan; our mission is to get you the right loan! We have a great deal of experience working with all types of borrower.
913 Lily Creek Road, Suite 201, Louisville, KY, 40243
Lends in Kentucky
Our mortgage bankers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs. We have mastered loan fulfillment software which is designed to streamline .
916 lily Creek Road, Suite 201, Louisville, KY, 40243
Lends in Kentucky
Buying a home is one of the most important decisions you’ll ever make. Why go through the process with a mortgage company that makes you feel like a number? Old Colonial Mortgage is a company founded on the idea that the mortgage business is an inherently personal businessone built on relationships and trust.
918 Lily Creek Road, Suite 202, Louisville, KY, 40243
Lends in Kentucky
"We are a mortgage lender dedicated to treating each and every client the “Fair Way”.
We believe in creating an individual experience for all of our clients to ensure that their home financing needs are met, and far exceed the industry standard when it comes to product knowledge, professionalism, and good old fashioned hard work"
Established in 2000, First Commonwealth Mortgage specializes in tailoring individual mortgage programs to meet specific borrower needs. It’s our goal to make financing your home as easy as possible through our commitment to superior customer service, highly-trained & licensed mortgage bankers, and wide-range of products and services.
From the beginning our primary focus here at Broker House Lending has been to be the “go to source” when shoppers are searching online for quality Louisville Mortgage Brokers.We seek to accomplish this through a “relationship building first” philosophy with our clients.We believe that following this practice has allowed us to grow steadily.
At Farm Credit Mid-America, people are more than a job title. Join a diverse team of people working together for a purpose — to secure the future of rural communities and agriculture. Farm Credit Mid-America has provided loans for farmers and rural residents across Indiana, Ohio, Kentucky and Tennessee for more than a century.
Rural 1st is the consumer lending division of Farm Credit Mid-America and offers specialized financing for those looking to fulfill their dream of country living. Rural 1st offers home loans – purchase and refinance, construction loans, lot loans, land loans and home equity loans in rural areas of Indiana, Ohio, Kentucky and Tennessee.
