FHA VS Conventional loan programs in Erwin, Unicoi County, Tennessee

In 2026, the Conventional loan limit for Erwin within Unicoi County, TN is defined at $726,200, whereas the FHA loan limit for a single-family home stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate today's Conventional, FHA, and USDA rates. It helps ascertain the needed income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator compares Conforming Conventional loans alongside USDA, FHA, and VA options, aiding you in determining which program in TN best suits your financial needs.

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Loan Limits and Downpayment Conditions for 2026 in Erwin, Unicoi County, TN

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

Applicable zip codes: 37650

Loan Options: Conventional and FHA in Erwin, TN

Lendersa® is committed to delivering the ideal Conventional, USDA, or FHA loan to you efficiently and effortlessly. Choose from three initiation points to connect with lenders and suitable loan solutions.

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Erwin Lenders

  • Olde Towne Mortgage
  • 132 Boone St, Suite 1, Jonesborough, TN, 37659
  • Lends in Tennessee
  • At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.

  • 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

  • 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.

  • 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.

  • Andrew Johnson Bank
  • 124 North Main Street, Greeneville, TN, 37743
  • Lends in Tennessee
  • At Andrew Johnson Bank, exceptional service from people you know is our focus. We are, and will remain, a community-led bank with the best interest of those we serve. We strive for excellence in every way, and we want to exceed your expectations. We promise to treat you, our friend, with respect.

  • Greeneville Federal Bank
  • 101 W. Summer Street, Greeneville, TN, 37743
  • Lends in Tennessee
  • Greeneville Federal Bank, FSB, is a locally owned, full-service financial institution that has served Greeneville and Greene County since 1960. The bank has changed dramatically during the last 61 years but one thing has remained the same–our commitment to the people of Greeneville and Greene County.