FHA VS Conventional loan in Collegedale, Hamilton County, Tennessee

In 2026, the limit for Conventional loans in Collegedale, within Hamilton county, TN, is $726,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the top rates available today among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which one in TN best suits your financial needs.

Explore offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Collegedale, Hamilton, TN

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

This table applies to zip codes: 37302

Conventional and FHA Loan Options in Collegedale, TN

Lendersa® is committed to securing the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three pathways to connect with matching lenders and suitable loan programs.

USDA loan request and results from Lendersa


Collegedale Lenders

  • 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.

  • 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

  • Southern Credit Union
  • 508 National Avenue, Chattanooga, TN, 37404
  • Lends in Tennessee
  • Our mission is to serve as our member's primary financial institution by providing competitive products and services with superior customer service and delivering those services utilizing technology by a highly trained and motivated staff. To provide these products and services in a professional, personal and competitive manner.

  • Chattanooga Area Schools Federal Credit Union
  • 1201 Bailey Avenue, Chattanooga, TN, 37404
  • Lends in Tennessee
  • Chattanooga Area Schools Federal Credit Union has been open since 1935 with assets totaling $176.83 Million and providing banking services to more than 12, 000 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.

  • 1st United Mortgage LLC
  • 2509 Wilma Rudolph, Suite E, Clarksville, TN, 37404
  • Lends in Tennessee
  • 1st United Mortgage is dedicated to serving veterans and military families. As VA Loan specialists, our experts are trained specifically on VA eligibility requirements and will walk you through every step of the loan process. Our mission is to make the mortgage process and simple and stress-free as possible for you.

  • Chattanooga First Federal Credit Union
  • 3120 Broad Street, Chattanooga, TN, 37408
  • Lends in Tennessee
  • Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.