In 2026, the USDA loan limit in Somerset, county of Pulaski, KY, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. This tool helps determine the necessary income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in deciding the best program in Alabama based on your financial situation.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal at Lendersa® is to secure the best USDA or FHA loan for you swiftly, without hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture. It is available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment, making them accessible to more borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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