USDA and FHA Pro and Con in Springfield, Washington County, KY

In 2025, the USDA loan ceiling in Springfield, located in Washington County, KY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to examine and contrast today's best rates for USDA versus FHA loans. Determine the prerequisites for income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding in your choice of the best program in based on your financial scenario.

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Loan Limits and Down Payment Requirements for 2025 in Springfield, Washington 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 Opportunities in Springfield, KY

The objective of Lendersa® is to seamlessly provide you with the most suitable USDA or FHA loan. Begin with one of three starting points that lead to lender matches and ideal USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan, supported by the U.S. Department of Agriculture, also referred to as a USDA rural development loan, can only be accessed in rural regions. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.

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



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