Explore the differences! FHA VS Conventional loan programs in Carthage, Smith County, Tennessee

For 2025 in Carthage, within Smith county, TN, the conventional loan limit is $890,100, whereas the FHA limit stands at $890,100 for single-family homes.

Utilize the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today. Determine the essential income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side to help pinpoint the best program in TN for your situation.

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Loan limits and down payment requirements for 2025 in Carthage, Smith county, TN

Loan Type Loan Limit Down Payment
Conventional Conforming $890,100 3%
USDA $555,600 0%
FHA $890,100 3.5%

This comparison applies to the following zip codes: 37030

Loan Options for Conventional and FHA in Carthage, TN

The goal of Lendersa® is to secure the best Conventional, USDA, or FHA loan for you swiftly and easily. Choose from three starting points to connect with matching lenders and loan options.

Lendersa USDA loan request matching results


  • Kellogg Community Credit Union
  • 41 2nd St, Battle Creek, MI, 49014
  • Kellogg Community Credit Union, headquartered in Battle Creek, Michigan is a full service financial institution serving people who live, work, worship, or attend school in Greater Southwest Michigan. With more than $795 million in assets and over 47, 000 members through 13 branches in Battle Creek, Kalamazoo, Portage, Three Rivers, Marshall
  • FLAGSHIP LENDING INC
  • 800 E Northwest Hwy, Suite 718, Palatine, IL, 60074
  • Flagship Lending Inc and our experienced loan officers have helped numerous first-time home buyers, home-owners, and real estate partners to find the right mortgage products that fits in their individual needs. From FHA loan, conventional mortgage, to jumbo mortgage products or investment property loans.
  • Sweetgrass Capital
  • 25 Cumberland Street, Suite 120, Charleston, SC, 29401
  • SweetGrass Capital makes homeownership possible for more South Carolinian’s than any other state based lender. Our philosophy is to keep marketing and advertising expenses at a minimum, instead allocating those funds to optimize a streamlined loan process. This allows us to provide our clients with lower rates and a higher level of customer service
  • Coastal Equity Group
  • 15 State Street, Charleston, SC, 29401
  • Coastal Equity Group offers both short and long-term financing for investors striving to build their wealth and generate income for a better future. As a lender, we strive to offer our borrowers smart investment solutions to help generate income and build their portfolio. Our team works quickly and ethically.
  • Leeward Point Mortgage LLC
  • 215 East Bay Street, Suite 403-F, Charleston, SC, 29401
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Ivy Asset Group, LLC
  • 170 Meeting Street, Suite 501, Charleston, SC, 29401
  • Asset Group, LLC is a specialty finance firm with a focus on structured credit solutions across the capital stack. Ivy executives have extensive management experience in leveraged lending, investment banking, operations, financing, and consulting. We employ a pragmatic approach to private lending emphasizing disciplined.
  • Park View Federal Credit Union
  • 1675 Virginia Ave, Harrisonburg, VA, 22802
  • Park View Federal Credit Union is a full-service credit union. In addition to our savings, checking, and investment services, we offer a variety of loan products to meet members' financial needs & provide numerous business services.credit union. In addition to our savings, checking, and investment services, we offer a variety of loan produ
  • Bay Credit Union
  • 601 N Highway 231, Panama City, FL, 32405
  • Bay Credit Union was established in August of 1952 as International Paper Employees Federal Credit Union. In 1976 the name was changed to Bay County Industrial Credit Union to more adequately reflect the expanded membership. Again in 1987 the name was changed to Bay Credit Union when our field of membership was opened to virtually.
  • First National Bank Northwest Florida
  • 101 East 23rd Street, Panama City, FL, 32405
  • First National Bank Northwest Florida is the oldest local community bank in the area. The goal of the bank has always been to provide the best possible customer service. The same banking services as a regional bank but with a local family “feel.” Come be a part of our banking family.
  • Oasis Mortgage
  • 3707 W. 23rd Street Suite A., Panama City, FL, 32405
  • Oasis Mortgage, where we specialize in residential mortgages. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants who will be assisting you every step of the way. At Oasis Mortgage, we are able to provide our clients with extremely competitive pricing.