FHA VS Conventional loan in Chattanooga, Hamilton County, Tennessee

In 2025, the limit for Conventional loans in Chattanooga, within the county of Hamilton, TN, is $726,200. Meanwhile, the FHA cap for a single-family home is $472,030. These figures are important for borrowers seeking to finance property in this area.

Utilize the Lendersa® Conventional loan calculator to compare current top rates for Conventional, FHA, and USDA loans. Assess the required income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator positions Conforming Conventional loans alongside USDA, FHA, and VA options, simplifying your decision-making on the most suitable program in TN for your financial needs.

Examine loan offers from a diverse selection of 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Chattanooga, County of Hamilton, TN

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This information applies to the following zip codes: 37415, 37416, 37410, 37411, 37419, 37409, 37421, 37363, 37408, 37403, 37402, 37407, 37405, 37406, 37404, 37343, 37351, 37350, 37401, 37414, 37424, 37450

Explore Conventional and FHA Loan Options in Chattanooga, TN

Lendersa® aims to efficiently secure the best available Conventional, USDA, or FHA loan options without hassle. Choose from one of these three strategies to connect with matching lenders and loan plans that best suit your requirements.

Results from Lendersa for USDA loan requests


  • Lend Smart Mortgage
  • 100 Bridgepoint Dr, Suite 190, South Saint Paul, MN, 55075
  • Lend Smart Mortgage has operated as a mid sized, locally owned retail lender since inception in 2006. We have made several acquisitions over the years to continue our planned growth and expand our licensing base. We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process
  • Mortgages By Noone, LLC
  • 2508 Dana Drive, Burnsville, MN, 55337
  • Mortgages By Noone is committed to helping you find the right mortgage products for your needs including: FHA, VA and USDA. I understand that every borrower is different. I offer a variety of products to meet your individual requirements. I will make the process of securing a mortgage simple & straightforward by offering the latest financial tools
  • Minnesota Financial Solutions, LLC
  • 201 W. Burnsville Pkwy, Suite 110, Burnsville, MN, 55337
  • At Minnesota Financial Solutions, LLC our mission is to provide practical and affordable financial solutions to the Minnesota family and small business owner. We start by assessing your individual financial situation and apply areas of tax, investment, and debt to a strategy that makes sense for all the disciplines involved.
  • First State Bank and Trust
  • 950 Highway 95 North, Bayport, MN, 55003
  • First State Bank and Trust is a community owned bank that has been serving the Saint Croix Valley since 1914. With four locations in Minnesota - Bayport, Stillwater, Oak Park Heights,and Boutwells Landing - and another one in Hudson, WI, First State Bank and Trust is a full service bank that can assist in all aspects of your financial portfolio.
  • Prime bank
  • 37 1st Ave NW, Le Mars, IA, 51031
  • Primebank has been an integral part of the growth and development of the communities it serves. In 1891, the bank was founded with the name German State Bank. Security Bank, founded in 1889, was sold to German State Bank that same year. While still the same banking institution, our bank has changed its name several times.
  • Curran Mortgage Inc.
  • 1303 West Industrial Boulevard, Round Rock, TX, 78681
  • As an experienced and skilled mortgage lending team, Curran Mortgage understands each transaction is different, as is every client’s home and individual needs. To offer the highest level of service from our clients' perspective — we seek to understand their immediate and long term financial goals.
  • MLP Home Mortgage Inc.
  • 1335 Corporate Center Curve, Suite 240, Saint Paul, MN, 55121
  • At MLP Home Mortgage Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • ProGrowth Bank
  • 703 3rd Street, Nicollet, MN, 56074
  • ProGowth Bank is more about people than products. It’s about you. ProGrowth Bank is here to build a lifelong relationship to support your financial success and help you achieve financial wellness in life. ProGrowth Bank provides resources and opportunities that business owners need… that you need.