USDA Vs. FHA your options comparison in West-Liberty, Morgan County, KY

For 2025, the USDA loan ceiling in the city of West-Liberty, Morgan County, KY is set at $285,000, whereas the FHA limit for a single-family residence is $356,362.

Leverage the Lendersa® USDA loan calculator to weigh today’s best USDA versus FHA rates and establish the income, credit, reserves, and documentation necessary for qualification. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, guiding you in choosing the best program in tailored to your economic circumstances.

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Loan limits and down payment requirements for 2025 in West-Liberty, Morgan County, KY

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

Exploring USDA and FHA loans in West-Liberty, KY

Lendersa® aims to secure the best USDA or FHA loan for you swiftly and with no stress. You can begin from one of three routes that lead to matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in KY

A USDA home loan, also referred to as a USDA mortgage or USDA rural development loan, is guaranteed by the U.S. Department of Agriculture and is specifically available in rural areas. Unlike FHA loans that mandate a 3.5% down payment, USDA mortgages require none.

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



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