USDA Vs. FHA Pro and Con comparison in Williamsburg, Whitley County, KY
As of 2025, the USDA loan limit in Williamsburg, within the county of Whitley, KY, is set at $336,500, whereas the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator is perfect for comparing current USDA and FHA rates, helping you figure out the income, credit score, reserves, and documentation needed to qualify. Using our sophisticated mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, which aids in selecting the right program in to match your financial situation.
Loan limits and down payment requirements for 2025 in Williamsburg, county of Whitley, KY
Type of Loan
Loan Limit
Deposit Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Williamsburg, KY
Lendersa® is committed to providing you with the best USDA or FHA loan quickly, minimizing any hassle. Start by selecting one of three paths, which link you to suitable lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusive to rural areas. This contrasts with FHA loans, which require at least a 3.5% down payment; no down payment is necessary for a USDA loan.
At Maryville Municipal Credit Union. We are a State Chartered, Federally Insured Credit Union serving the Employees of the City of Maryville and their families, as well as the Employees of Atmos Energy Company and their families. Open since 1972, those Employees and Families have grown to 1500 Members strong.
Volunteer Home Mortgage Inc. is a dream come true for me. We are one of the hand full of mortgage broker companies that is here to give our customers a variety of mortgage options and choices. We are a locally owned and operated mortgage company. Why call a BIG name bank or lender
Citizens Bank & Trust Co. was established in 1962 to provide the highest quality of banking services for the citizens of Breathitt and surrounding counties. As co-founder Circuit Judge Ervine Turner said, "A good bank dedicated to the service of the little man and his financial needs
Farmers National Bank has a long, deep-rooted history as a financial institution. Since February 10, 1879, the bank has served customers in ways that earn their trust and loyalty. As it has helped generations of customers in the Bluegrass state achieve their goals, it is known as Your Lifetime Bank.
First Century Lending, LLC (Loan Production Office a subsidiary of Salyersville National Bank, Salyersville KY) opened in 2008 in Somerset KY. We are located in Somerset and Richmond KY. and Type of Loans Offered:
Home Mortgages
Commercial Loans
Personal Installments
Home Equity
2430 Teaster Ln, Suite 205, Pigeon Forge, TN, 37863
SmartBank emerged in January 2006, when long-time executive Bankers Bill Carroll and Billy Carroll decided to start the process of organizing a Bank with the image, values and service level that would become incomparable to any other Bank in the market. SmartBank opened its first office in January 2007
Since 1934 we have been a hometown bank with your needs as our number one priority. That is why we offer a wide variety of products and friendly, reliable service-all in three convenient locations. From checking accounts to savings, loans, and investment opportunities, we offer the latest in financial services.
106 South Main St, Suite 103, Crossville, TN, 38555
The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.
Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee.
