USDA Vs. FHA your options comparison in Vine-Grove, Hardin County, KY

For 2025, the USDA loan limit in Vine-Grove, within Hardin, KY, is established at $285,000 while the FHA cap for a single-family home is $356,362.

To compare today's optimal USDA and FHA rates, use the Lendersa® USDA loan calculator. This tool assesses your income, credit score, reserves, and documents for qualification. With our advanced mortgage calculator, evaluate USDA, FHA, Conforming, and VA loan options side by side, aiding your choice of the best program for your financial circumstance in Alabama.

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2025 Loan Limits & Down Payment Criteria in Vine-Grove, Hardin, KY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Vine-Grove, KY

At Lendersa®, the mission is to deliver the ideal USDA or FHA loan efficiently and without hassle. Begin by selecting one of three pathways that align you with matched lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in KY

The USDA home loan, also known as a USDA rural development loan, is backed by the Department of Agriculture and is available solely in rural areas. Contrastingly, FHA loans demand a minimum 3.5% down payment, whereas USDA loans do not require any down payment, making them advantageous for eligible applicants in such regions.

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



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