FHA VS Conventional loan programs in 2026 for Jefferson-City, Jefferson County, Tennessee
In 2026, the conventional loan limit for Jefferson-City in Jefferson county, TN is set at $647,200, while the FHA limit for a single-family home is $420,680.
Use the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans, determining the income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you select the best option for your finances in TN.
2026 Loan Limits and Down Payment Information in Jefferson-City, Jefferson, TN
Loan Type
Limit
Minimum Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This applies to zip codes: 37760
Options for Conventional and FHA Loans in Jefferson-City, TN
The aim of Lendersa® is to quickly secure the best possible Conventional, USDA, or FHA loan without hassle. Select one of three starting approaches to align with suitable lenders and loan programs.
First Peoples Bank was organized in 1974 and opened for business January 2, 1975, as First Peoples Bank of Jefferson County, with a total of six employees. The bank operated in a portable building until it moved into its present Jefferson City office in May 1976. First Peoples Bank is the oldest bank in Jefferson County.
Clinch-Powell has been actively serving our communities since 1989. While we continue in our efforts to conserve local resources and protect the environment around us, we also recognize that the needs of our communities are as diverse and evolving as the ecosystems we strive to preserve.
The Lowland Credit Union began operation on June 12, 1953 at the Lowland site of the American Enka Company located in Lowland, Tennessee. Active employees of that site were eligible to join. Some years later, the field of membership was expanded to include retired employees and family relations of members.
2430 Teaster Ln, Suite 205, Pigeon Forge, TN, 37863
Lends in Tennessee
SmartBank emerged in January 2006, when long-time executive Bankers Bill Carroll and Billy Carroll decided to start the process of organizing a Bank with the image, values and service level that would become incomparable to any other Bank in the market. SmartBank opened its first office in January 2007
200 Forks of the River Pkwy, Sevierville, TN, 37862
Lends in Tennessee
The mission of Citizens National Bank is to provide a positive & distinctive banking environment by exceeding Our Clients' expectations with every interaction; serving Our Communities with an unwavering commitment, economically or otherwise, as a proud corporate citizen; ensuring Our People have the opportunity to grow personally & professionally.
4378 Maynardville Hwy, Suite C, Knoxville, TN, 37807
Lends in Tennessee
Realty Mortgage Services, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
Fountain City Finance has been providing financial services to hundreds of satisfied East Tennessee residents since 1991. We maintain a local, hometown approach while providing first-class customer service for our clients. Our professionalism along with our choice of products will leave you with an outstanding customer experience
Knoxville Law Enforcement Federal Credit Union is a member-owned, not-for-profit financial services cooperative. Our mission is to effectively and efficiently operate as a financial cooperative; to promote participation by all those within the defined membership; to encourage savings and provide competitive credit.
UT Federal Credit Union is a member-owned, and community chartered, financial cooperative. While UTFCU is a full-service financial institution, it also strives to fulfill the credit union philosophy of People Helping People in everything it does. The heart of UTFCU has always been, and will always be, the members and communities it serves
