FHA VS Conventional loan programs in 2025 for Gallatin, Sumner County, Tennessee

As of 2025, in the county of Sumner, Gallatin, TN, the conventional loan limit is $890,100. Meanwhile, the FHA ceiling is set at $890,100 for a single-family residence.

The Lendersa® calculator enables you to compare current rates between Conventional, FHA, and USDA loans. Evaluate the income, credit requirements, reserves, and documentation necessary to qualify. Through our sophisticated mortgage calculator, view Conforming Conventional loans, USDA, FHA, and VA side by side, assisting you in selecting the best program suited for your financial circumstances in TN.

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2025 Loan Limits and Downpayment Requirements in Gallatin, Sumner county, TN

Loan Type Loan Limit Down Payment
Conventional Conforming $890,100 3%
USDA $555,600 0%
FHA $890,100 3.5%

This table is applicable for the following zip codes: 37066

Exploring FHA and Conventional Loan Opportunities in Gallatin, TN

The goal of Lendersa® is to provide fast and hassle-free access to the best Conventional, USDA, or FHA loans. Initiate with one of the three options to connect with matching lenders and relevant loan offerings.

Lendersa USDA loan request and matching outcomes


  • Central Ohio Mortgage
  • 2057 Stringtown Rd, Grove City, OH, 43123
  • At Central Ohio Mortgage, our approach to mortgage lending is quite different from our competition. It is important to us that our customers are educated on all aspects of the loan and the loan process. We do this in a relaxed, stress-free environment, and we do it according to your schedule.
  • The Justus Sharp Team of NFM Lending
  • 4084 Gantz Rd, Grove City, OH, 43123
  • Justus Sharp has over 19 years of mortgage experience having worked for Finance of America, Wells Fargo, Household Mortgage, Chase Home Finance, Fifth Third Bank, and First Federal Lakewood. For three consecutive years (2008-2010), at Fifth Third Bank, he was recognized in the “Top 3” for all the Loan Officers in the Columbus, Ohio
  • American Bank of Missouri
  • 690 North Service Road West, Wright City, MO, 63390
  • We are a full service community bank specializing in SBA, Commercial & Real Estate Loans as well as Treasury Management & we offer a full range of deposit related services. We currently serve the St. Louis area & St. Charles, Warren & Montgomery Counties. We strive to provide you with the best banking experience possible.
  • Members Choice WV Federal Credit Union
  • 201 Ohio Ave, Charleston, WV, 25302
  • Members Choice WV Federal Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship, attend school or do business in Kanawha County, WV.Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship.
  • The State Credit Union
  • 2200 Washington Street East, Charleston, WV, 25311
  • At The State Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your accounts. To protect your account, The State Credit Union monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact Premium Testing.
  • W V Air National Guard FCU
  • 1512 Coonskin Drive, Charleston, WV, 25311
  • West Virginia National Guard Federal Credit Union has been open since 1959. It's the 20th largest credit union in West Virginia with assets totaling $50.63 Million and providing banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to U.S. military members.
  • West Plains Bank and Trust Company
  • 11 Court Sq, West Plains, MO, 65775
  • West Plains Bank and Trust Company is a Bank with operations in two states. West Plains Bank and Trust Company offers numerous mortgage programs including conventional, non-owner occupied, VA, USDA and construction mortgages and West Plains Bank and Trust Company, based in West Plains, Mo., operates four full-service and two drive-through branches
  • First National Bank in New Bremen
  • 435 S. Washington Street, New Bremen, OH, 45869
  • First National Bank was chartered in 1934 as a national bank. It currently has offices in New Bremen, Wapakoneta, Sidney, New Knoxville, & Botkins, Ohio. The Bank is engaged in serving the financial needs of individuals, businesses, & organizations. The principal business of the bank is making loans and accepting deposits from the general public.
  • Hometown Federal Credit Union
  • 151 N Broadway, Peru, IN, 46970
  • Hometown FCU was started in August of 1936 by 33 Square D Company Employees contributing a total of $25. We moved from the Square D property in January 1989 and began serving Miami County in 1991. Our name changed from Square D Federal Credit Union to Hometown Federal Credit Union to better reflect our membership base.