USDA Vs. FHA your options comparison in Versailles, Woodford County, KY
For 2026, 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.
2026 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.
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.
Citizens Commerce Bank in 1996. We expanded into Franklin County in 2007, Jessamine County in 2009 and Fayette County in 2018. As we have grown, we always remember one of our greatest strengths is our ability to do business with people we know and to make decisions locally. We believe in giving back to the communities we serve through sponsorships.
Sun Lending USA can assist you by providing you with top-notch service, no matter what kind of KY mortgage loan you're looking for or what your individual circumstances are. Obtaining a mortgage loan is one of the most significant decisions you will ever make & it is important that you have an experienced advisor to help you every step of the way.
1306 Versailles Road, Suite 140, Lexington, KY, 40504
Lends in Kentucky
MECU was established in 1940 by city employees looking for a way to earn higher rates on savings and lower rates for loans.
Today, MECU has grown into a full service credit union. Membership in MECU is open to employees of the City of Lexington, employees of accepted outside agencies of the City of Lexington, employees of the Credit Union.
Since 1953, Greater Kentucky Credit Union has made being with a Credit Union easy and rewarding. While some credit unions have niche membership eligibility requirements, Greater Kentucky membership is open to anyone who lives, works, worships or attends school in any of the 24 counties in Kentucky or to any relative of an existing member.
The Student Loan Crisis Center was formed by a group of lawyers and accountants with family members experiencing student loan debt problems. Their family was confused with the complexity of student loans, anxious about repayment and depressed by the effect of those loans on their future. This website was created to relieve that anxiety with honest
Bank of Lexington As our name implies, we’re a local bank with a vested interest in our neighbors and Lexington. That’s the way it’s been since 2006, when we opened our first bank on Harrodsburg Road. Now with three locations, we continue to meet the growing financial needs of our community. From home mortgages, business accounts and free checking
Bank of the Bluegrass & Trust Co., is a locally owned community bank serving Lexington, Ky., and it's surrounding communities for over 45 years. We create relationships for life with our clients by providing a full range of services to meet their personal and business needs. These services are delivered and supported by experienced professionals th
2121 Nicholasville Rd, Suite 101, Lexington, KY, 40503
Lends in Kentucky
At Lambuth Mortgage are here to answer all your questions and help you feel confident about your financial decisions. At Lambuth Mortgage, we make it a priority to learn all about your unique circumstances. We’ll help you understand and take advantage of a variety of home mortgage options and highly competitive interest rates.
Central Kentucky Agricultural Credit Association is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, Livestock and production and rural home mortgages. Ag Credit serves the 17 counties of central Kentucky with seven branch locations. Ag Credit is part of the national Farm Credit System.
