USDA VS FHA in Simpsonville, Shelby County, KY

In 2025, 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.

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

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.

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



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