USDA Vs. FHA Pro and Con comparison in St.-Matthews, Jefferson County, KY
In the year 2026, the USDA loan limit in St.-Matthews, located within the county of Jefferson, KY, is set at $0, whereas the FHA loan ceiling is $356,362 for a single-family residence.
Make use of the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates currently available, and to ascertain the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator lets you evaluate the USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which program in suits your specific financial needs best.
2026 Loan Limits and Down Payment Requirements in St.-Matthews, Jefferson, KY
Type of Loan
Maximum Loan Limit
Down Payment
USDA
$0
None (0%)
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in St.-Matthews, KY
The objective of Lendersa® is to quickly and effortlessly secure the optimal USDA or FHA loan for you. Choose one of three starting points to connect with lenders and explore USDA loan offerings.
The USDA home loan, also referred to as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is specifically designed for rural areas. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans are available with no down payment required at all.
Kentucky Mortgage Group (KMG) is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
"We specialize in commercial and multifamily real estate capital markets financing, servicing loan portfolios, providing asset and portfolio management, and real estate brokerage services on a national basis. We're ranked a ""Strong"" Commercial Loan Primary Servicer by S&P Global Ratings and have broad capital provider base of over 100 sources"
7410 New La Grange Rd, Suite 108, Louisville, KY, 40222
Lends in Kentucky
Raised in Kentucky, I love being able to help others achieve their dreams to live in this great state. I have been in the mortgage business for over ten years, initially starting my career within our family owned mortgage company, A-1 Mortgage Company, Parker Services. After my family retired, I broadened my knowledge in the field with a position
8001 Lyndon Centre Way Suite 101, Louisville, KY, 40222
Lends in Kentucky
SurePoint Equity LLC is a Local, Private Lender specializing in Fix and Flip and Rehab and Refi renovation loans for Real Estate Investors. We are well capitalized, have very competitive rates and can close as fast as 5-7 business days. We typically lend up to 90% of the purchase price, plus 100% of renovation costs and don't require monthly paymen
12700 Townepark Way, Suite 111, Louisville, KY, 40242
Lends in Kentucky
Brian Curl is the founder of the Wholesale Mortgage Source, LLC company. Brian has been in the mortgage industry and originating home loans for twenty plus years. Wholesale Mortgage Source provides outstanding advice and service to first-time homebuyers and homeowners utilizing FHA, VA, USDA and conventional home loan mortgages.
United Financial Group, LLC is a Mortgage Lender founded by John Dziedzic in April, 2002. John’s vision in 2002 was to offer clients exceptional service through education, communication and to provide clients with optimal mortgage options. John and team UFG believe that providing clients with the right knowledge eliminates stress at closing time
The Eclipse Team consists of highly-experienced, talented bankers. We hire exceptional bankers and empower them with the tools they need to be successful and also Eclipse strives to be a valuable corporate citizen. We give back to our community in numerous ways, including volunteerism, donations, and lending in low-moderate income areas
120 Sears Avenue, Suite 208, Louisville, KY, 40207
Lends in Kentucky
Founded in 2005 by Tommy Atlas, Atlas Capital Mortgage has helped hundreds of people in Kentucky buy and refinance their homes. A 1992 graduate of the University of Louisville, Tommy began his career in the retail banking sector at the Bank of Louisville. He transitioned exclusively to mortgage banking in 1998. With more than two decades.
231 Breckenridge Lane, Suite 202D, Louisville, KY, 40207
Lends in Kentucky
We offer great rates and closing-cost packages. Borrowers Choice Mortgage will shop among several wholesale lenders nationwide to find your best deal. We make sure clients don’t overlook closing costs by focusing solely on rates, which is a common mistake. Closing costs are very important to getting the best deal over time.
