USDA Vs. FHA Pro and Con comparison in Union, Boone County, KY
For the year 2026, the USDA loan limit in Union, in the county of Boone, KY, stands at $336,500, while for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the current top rates for USDA versus FHA loans and identify the necessary income, creditworthiness, savings, and documentation required for eligibility. Our sophisticated mortgage calculator allows a side-by-side analysis of USDA, FHA, Conforming, and VA programs, aiding your decision on the most suitable option in based on your specific financial needs.
Understanding loan limits and down payment needs for 2026 in Union, county of Boone, KY
Category of Loan
Maximum Loan Amount
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Possibilities in Union, KY
Lendersa® is focused on quickly securing the best USDA or FHA loan options for you, with minimal complications. Start by selecting one of three pathways leading to matched lenders and USDA loan offerings.
The USDA home loan, underwritten by the government's Department of Agriculture—commonly referred to as a USDA rural development loan or mortgage—is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans necessitate no down payment at all.
Coast360 started on September 24, 1962 as Government of Guam Employees Federal Credit Union by a group of 20 government employees. At that time, their employer was their common bond. In 2008, the credit union was granted a charter that opened membership to everyone who lives or works on the island.
We are locally owned and operated with our main office located in Burlington, KY. At OnPoint Home Lending, we pride ourselves on exceeding our customer's expectations in finding the best option for a home loan that's right for you. Whether you want the lowest rate possible, refinance your existing mortgage or new home purchase
Entrust Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
First Equity Mortgage has closed more than $5 billion in mortgage loans for thousands of Drees customers. With almost 40 years of new construction lending experience, we truly understand the excitement, anticipation and stress that can be associated with building a home. This knowledge helps us provide you with the friendly customer experience
Cove Federal Credit Union was originally chartered as SEMC Federal Credit Union in 1970. It was started by a small group of employees of St. Elizabeth Hospital in Covington, Kentucky. In 1978, St. Elizabeth’s South Unit was built in Edgewood, Kentucky & the hospital became St. Elizabeth Medical Center.As the South Unit grew, so did the credit union
Citizens Federal Savings and Loan Association of Covington
433 Madison Avenue, Covington, KY, 41011
Citizens Federal Savings and Loan Association of Covington, KY has been a part of the community since 1886. We are one of the last mutual institutions remaining in Northern Kentucky.
As a mutual savings and loan each customer has a stake and ownership in our association. As a mutual savings and loan each customer has a stake
"Over the years, Cincinnati Federal has continued to expand its footprint in the Cincinnati area through acquisition of other savings institutions such as Delta S & L, McHenry S & L and Fulton #4. In the 1980's Cincinnati Federal continued to grow and opened offices in the Miami Heights area and in Anderson Township."
Home Savings Bank is located on Elm Street in Ludlow, KY just minutes from downtown Cincinnati. We specialize in real estate lending and offer many deposit solutions. Home Savings Bank, FSB is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
