FHA VS Conventional loan programs in 2026 for Elizabethton, Carter County, Tennessee

For 2026, the Conventional loan limit for a single-family home in Elizabethton, Carter county, TN is $726,200. The FHA limit is $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate the best rates among Conventional, FHA, and USDA options. It helps determine the necessary income, credit, reserves, and paperwork. Our advanced calculator allows a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, aiding in selecting the right program for your financial needs in TN.

Evaluate offers from 100 lenders

2026 Loan Limits and Downpayment Info in Elizabethton, Carter, TN

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

The table applies to zip codes: 37643

Loan Options: Conventional and FHA in Elizabethton, TN

Lendersa® aims to swiftly secure the best Conventional, USDA, or FHA loan with ease. Choose from three starting points to find compatible lenders and loan programs aligned with your requirements.

Lendersa USDA loan request matches


Elizabethton Lenders

  • Northeast Community Credit Union
  • 980 Jason Witten Way, Elizabethton, TN, 37643
  • Lends in Tennessee
  • Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators. A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid.

  • Citizens Bank Tennessee
  • 300 Broad Street, Elizabethton, TN, 37643
  • Lends in Tennessee
  • Since 1934, families and businesses have placed their trust and confidence in a bank that has grown and prospered right along with the East Tennessee region. Today, Citizens Bank is one of Tennessee's most solid banks, providing the best available financial services, convenience, technology, and expertise, so you can bank your own way

  • Advanced Mortgage Services, Inc.
  • 1970 W. Elk Avenue, Unit C, Elizabethton, TN, 37643
  • Lends in Tennessee
  • At Advanced Mortgage Services, 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.

  • Select Seven Credit Union
  • 333 East Main Street, Johnson City, TN, 37601
  • Lends in Tennessee
  • Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.

  • HomeWorks Community Lending
  • 214 East Watauga Avenue, Johnson City, TN, 37601
  • Lends in Tennessee
  • We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.

  • Encore Lending Group
  • 206 Wesley St., Johnson City, TN, 37601
  • Lends in Tennessee
  • ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.

  • Greater Eastern Credit Union
  • 2110 West Mountcastle Drive, Johnson City, TN, 37604
  • Lends in Tennessee
  • Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.

  • Beacon Financial
  • 1102 W. Market St, Suite 20, Johnson City, TN, 37604
  • Lends in Tennessee
  • Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender.

    Our mission is to provide financial products & services that add superior value to membe

  • Appalachian Community Federal Credit Union
  • 5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
  • Lends in Tennessee
  • The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.