USDA and FHA Pro and Con in Versailles, Woodford County, KY

For 2025, the USDA loan cap in Versailles, county of Woodford, KY, is $336,500, contrasted with the FHA limit of $472,030 for a single-family home.

Leverage the Lendersa® USDA loan calculator to evaluate and contrast today’s best USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. Utilizing our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to conclude which plan in aligns well with your personal financial landscape.

Review loan offers from a selection of 100 lenders

2025 Loan Maximums and Down Payment Requirements in Versailles, Woodford, KY

Loan Category Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Lending Options in Versailles, KY

Lendersa® aspires to promptly facilitate you with the most equitable USDA or FHA loan seamlessly. Initiate one of three approaches to connect with lenders and review USDA loan offerings.

Lendersa USDA loan request and matching results

Defining USDA Loans in KY

The USDA home loan, known as the USDA mortgage or USDA rural development loan, is backed by the government Department of Agriculture and is accessible solely in rural locales. Contrary to FHA loans requiring at least a 3.5% down payment, the USDA mortgage does not necessitate any down payment, facilitating easier home acquisition.

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



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