Explore the differences! FHA VS Conventional loan programs in Oak-Ridge, Anderson County, Tennessee
In the year 2026, the limit for Conventional loans in Oak-Ridge, situated in Anderson county, TN, is $647,200. Meanwhile, the FHA loan limit for a single-family home is $420,680.
Utilize the Lendersa® Conventional loan calculator to compare the top current rates for Conventional, FHA, and USDA loans. It also helps determine the necessary income, credit, reserves, and documentation needed for qualifying. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, assisting you in selecting the most suitable program in TN for your financial needs.
2026 Loan Limits and Downpayment Requirements in Oak-Ridge, Anderson, TN
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table pertains to the following zip codes: 37830
Conventional and FHA Loan Options in Oak-Ridge, TN
Lendersa® is dedicated to securing you the most favorable Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three start options to connect with suitable lenders and loan programs.
TN Members 1st was Oak Ridge’s first credit union chartered by the Federal Government to service the employees of the Department of Energy. In October 2005, TN Members 1st received its community charter for Anderson, Knox, and Roane counties. Tennessee Members 1st Federal Credit Union exists to provide quality financial services for its members.
Kimberly Richards President has been in the industry since 1985. She has worked as a forensic underwriting auditor with the federal government and private investors; operated several mortgage branches in TN, TX, GA, MS, and AL; and knows every step of a loan from beginning to end.
Y-12 Federal Credit Union is a federally chartered not for profit organization, owned by its members, offering a wide range of financial services to its members/owners. The Credit Union was chartered in 1950, to serve the employees of the Union Carbide Y-12 Nuclear Weapons Production Plant.
Enrichment Federal Credit Union opened its first small office In 1950, as K-25 Federal Credit Union to provide financial services to the employees of the Oak Ridge Gaseous Diffusion Plant (K-25). The K-25 plant enriched uranium as part of the Manhattan Project. In 2003 we converted to a community charter which expanded our field of membership.
ORNL Federal Credit Union (FCU) is a not-for-profit, member-owned financial cooperative benefiting all who belong. Since 1948, our mission has been to help our members create healthy relationships with their money. By helping hundreds of thousands of members see success, we have become one of the largest credit unions in East Tennessee.
First Choice Lending Services can help you achieve your goals. To set up the right Knoxville, TN Mortgage plan for you, get in touch with us. At First Choice Lending Services, we have a better way. We try to build life-long relationships with our customers by giving them the best deal on their home mortgage, at the lowest rate.
SouthEast Bank has become a premiere financial institution in Tennessee by delivering exceptional quality service, & innovative Banking products to its clients. Our experienced staff diligently serves our communities with integrity and a sense of pride by offering exceptional service & value to not only our customers, but the community as a whole.
Established in 2000, Creative Mortgage Solutions offers loan assistance, financing and ReFinancing options, and advice from Licensed Mortgage Brokers in the state of Tennessee. Are you thinking about moving but don’t have the money to? By utilizing our loan services, you can always afford that dream home you’ve been looking at for months.
412 N. Cedar Bluff Road, Suite 200, Knoxville, TN, 37923
Lends in Tennessee
Founded in 1978, First Southern is an independently owned full service commercial real estate capital firm. Our services are broad based and include permanent debt financing, construction financing, bridge financing, forward funding commitments, joint-venture equity programs, preferred equity, mezzanine debt, tax-free financing,
