FHA VS Conventional loan programs in 2026 for Cleveland, Bradley County, Tennessee

For the year 2026, the conventional loan limit in Cleveland, located in the county of Bradley, TN, is set at $726,200. The FHA limit for a single-family home, however, is $472,030.

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Loan calculator comparison tool

With Lendersa®'s Conventional loan calculator, you can compare top rates today for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents required for eligibility. Our comprehensive mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the ideal program for your financial situation in TN.

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Loan Limitations and Down Payment Requirements in Cleveland, County of Bradley, TN for 2026

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

This comparison table applies to zip codes: 37312

Exploring Conventional and FHA Loan Options in Cleveland, TN

Lendersa®'s mission is to promptly provide you with the most advantageous Conventional, USDA, or FHA loan, minus any hassle. Choose one of the three initial pathways to align yourself with the right lenders and loan options.

  1. Submit the ultimate request optimized for Conventional/USDA/FHA loans
  2. Discover Conventional, USDA, and FHA rates & terms preemptively
  3. Explore the largest resource of Conventional lenders
Insights on USDA loan requests and matching from Lendersa


Cleveland Lenders


  • Home Mortgage Solutions LLC
  • 31 Mouse Creek Rd Nw, Cleveland, TN, 37312
  • Lends in Tennessee

  • Home Mortgage Solutions LLC offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Residential investment property FHA loans on double-wide Manufactured Homes with land on a permanent foundation built after 1976. Conventional loans with min. 5% down on double-wide Manufactured.

  • USA Mortgage, Inc.
  • 4035 Keith St NW, Cleveland, TN, 37312
  • Lends in Tennessee

  • USA Mortgage is passionate about the mortgage lending process. We desire to exceed the expectations of our customers by holding their hand through the lending process and earning a lifetime friendship, not just a business relationship. The most valuable item to USA Mortgage is a return customer

  • OMC Employees Credit Union
  • 1186 Old Lower River Road NW, Charleston, TN, 37310
  • Lends in Tennessee

  • O.M.C. Employees Credit Union has been open since 1992. New member eligibility requires that the person be a permanent employee of Olin Corporation, Solenis, or the OMC Employees Credit Union. A member’s spouse, spouse’s parents, children*, children’s spouse, siblings, parents*, and grandchildren* are all eligible for membership.

  • Smart Choice Credit Union
  • 1075 Blythe Avenue SE, Cleveland, TN, 37311
  • Lends in Tennessee

  • Our mission is to offer financial services to members of our community with an emphasis on asset development and the achievement of long-term financial security. We specifically will strive to develop relationships with persons who previously have had no interaction with existing financial institutions.

  • Pathway Credit Union
  • 2751 Ralph Buckner Boulevard NE, Cleveland, TN, 37311
  • Lends in Tennessee

  • Pathway CU was established as a financial institution to meet the growing needs of the Church of God entities. Each member of the credit union is part owner of the organization. Members in good standing are privileged to vote for the Board of Directors.Each year financial gains are returned to the members in the form of dividends or other benefits.

  • Bank of Cleveland
  • 75 Bobby Taylor Ave, Cleveland, TN, 37311
  • Lends in Tennessee

  • Bank of Cleveland opened its doors on May 8, 1987 in a mobile facility on Keith Street. Back in 1987, the era of bank mergers was underway and Bank of Cleveland was established to provide Bradley County a true, locally owned and operated community bank.
    main bank office buildingToday, Bank of Cleveland is the only locally owned

  • First Financial OF TENNESSEE HOME LOANS, LLC
  • 913 Congress Pkwy N, Suite 100, Athens, TN, 37303
  • Lends in Tennessee

  • First Financial OF TENNESSEE HOME LOANS, LLC, we understand that buying a new home or refinancing an existing mortgage is one of the most important decisions an individual or couple can make. That’s why it is our goal to serve communities by offering the best programs with the most competitive rates. Customer satisfaction is our number one goal.

  • Chattanooga Federal Employees Credit Union
  • 2011 Stein Drive, Chattanooga, TN, 37421
  • Lends in Tennessee

  • Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.

  • HomeRate Mortgage
  • 7506 East Brainerd Road, Chattanooga, TN, 37421
  • Lends in Tennessee

  • HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
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