USDA Loan Vs. FHA loan for Stanford, KY 2026

In 2026, in Stanford, Lincoln, KY, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and figure out the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to help determine which program in Alabama best suits your financial needs.

Exploring USDA and FHA Loan Options in Stanford, KY

Lendersa® aims to swiftly provide you with the best USDA or FHA loan options, hassle-free. Select from one of three starting points that connect you with matching lenders and suitable USDA loan programs.

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What is a USDA Loan in KY?

A USDA home loan, backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require none.

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(931) 484-6178 Lender's profile and map Reviews Highland Federal Savings and Loan Association 106 South Main St, Suite 103, Crossville, TN, 38555 The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.
(931) 484-9433 Lender's profile and map Reviews Upper Cumberland Federal Credit Union 627 Livingston Road, Crossville, TN, 38555 Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee.
(931) 707-1500 Lender's profile and map Reviews First Cumberland Mortgage 186 Highway 70 E, Crossville, TN, 38555 First Cumberland Mortgage located in Crossville, Tennessee. We are one of Tennessee's most Comprehensive, Full Service Mortgage Companies. We specialize in 100% Loans, FHA & VA, Conventional Raw Land Loans, Self Employed Loans and Refinancing. Call First Cumberland Mortgage for all your Mortgage or Loan needs.
(865) 694-5725 Lender's profile and map Reviews Mountain Commerce Bank 6101 Kingston Pike, Knoxville, TN, 37919 In 2005, Bill Edwards, Jim Friddell, and the Mountain Commerce Bancorp board of directors had the vision to develop what would become one of the fastest-growing, state-chartered banks in Tennessee. By early 2006, Bill and Jim raised $35 million in capital for the new bank holding company, setting a state record.
(731) 584-8236 Lender's profile and map Reviews Apex Bank 430 Montbrook Lane, Suite 207, Knoxville, TN, 37919 Apex Bank began in 1931 as the Bank of Camden. After unifying its brands under the Apex Bank umbrella in 2015, the bank experienced tremendous growth. Our ability to adapt and grow has enabled us to respond to changing markets, explore new technologies, and engage in new communities.
(865) 567-2660 Lender's profile and map Reviews The Frazier Company 5731 Lyons View Pike, Suite 106, Knoxville, TN, 37919 "Since 1990, The Frazier Company has closed more than 155 transactions totaling over 750 million dollars in construction, acquisition, and long term, fixed rate, non-recourse, permanent financing for income producing properties throughout the United States. The Frazier Company is located in Knoxville, TN, United States"
(865) 691-7992 Lender's profile and map Reviews Browning Capital and Investment Corporation DBA Summit South Mortgage 6000 Walden Drive, Suite 101, Knoxville, TN, 37919 Summit South Mortgage is a full service mortgage company specializing in conventional and government mortgage loans secured by residential real estate. The primary focus of Summit South Mortgage is to offer prompt, efficient service with the most competitive rate quotes available, providing an optimal level of confidence.
(833) 705-5626 Lender's profile and map Reviews Simple Mortgage Solutions LLC 6906 Kingston Pike, Knoxville, TN, 37919 Our Philosophy is simple: Life is hard enough; your mortgage shouldn’t be this is why Simple Mortgage Solutions is here to help with all of your mortgage needs. We have over 30 years experience in helping people with their dream of home ownership. Trust us that we will help you with all your mortgage needs.
(423) 581-8345 Lender's profile and map Reviews Lowland Credit Union 1216 E Main Street, Morristown, TN, 37814 The Lowland Credit Union began operation on June 12, 1953 at the Lowland site of the American Enka Company located in Lowland, Tennessee. Active employees of that site were eligible to join. Some years later, the field of membership was expanded to include retired employees and family relations of members.
(423) 586-1125 Lender's profile and map Reviews Colonial Loan Association 2645 W Andrew Johnson Hwy, Suite B, Morristown, TN, 37814 The Colonial Loan lending team is uniquely positioned to offer local decisions within 24 hours of application. Each lender is experienced and passionate about helping consumers with less than perfect credit secure personal loans.We consider each loan application individually and decisions are not made solely on credit scores.
(513) 385-5921 Lender's profile and map Reviews St. James Parish Credit Union 6195 Cheviot Road, Cincinnati, OH, 45247 St. James Parish Credit Union was founded in 1939. A number of volunteer Board of Directors and Officers have served for decades, providing continuity, direction and expertise for a sound institution. St. James Parish Credit Union is member-owned and a not-for-profit financial institution chartered by the State of Ohio.