USDA Vs. FHA your options comparison in Arlington, Shelby County, TN
For 2026, the USDA loan maximum in Arlington, located in Shelby county, TN is set at $336,500, while the FHA cap is $472,030 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to contrast today’s leading USDA and FHA rates. Discover the income, credit, reserves, and documentation requirements for eligibility. Our sophisticated mortgage tool allows you to assess USDA, FHA, Conforming, and VA programs side by side, enabling you to select the most suitable option for your financial situation in .
2026 Loan Limits and Down Payment Guidelines in Arlington, Shelby county, TN
Loan Category
Limit
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Arlington, TN
Lendersa® aims to deliver the most effective USDA or FHA loan efficiently and conveniently. Opt from one of three approaches to connect with lenders and USDA loan offerings.
A USDA home loan, which is a government-backed program through the Department of Agriculture, also known as the USDA rural development loan or mortgage, applies solely to rural areas. Unlike FHA loans demanding a minimum down payment of 3.5%, USDA loans require absolutely no down payment.
We are passionate about giving our customers and the communities we serve, an experience that is Unbelievably Good. Member FDIC. Equal Housing Lender
First Citizens National Bank operates from 25 locations in the state of Tennessee. Established in 1889 in Dyer County, the bank serves markets throughout eleven Tennessee counties.
Our mission is to financially counsel and serve members of the health care community with a full range of quality financial services which are competitive, and promote the financial well-being of our membership and the overall safety and soundness of our organization. HealthNet Federal Credit Union was founded in 1955 to serve the financial needs.
13690 Highway 51 South, Suite 107, Atoka, TN, 38004
Lends in Tennessee
The West Tennessee Credit Union is a Not-for-Profit Mutual Benefit Financial Cooperative serving its members who share a common bond with high quality, friendly, fair, and courteous services while maintaining long-term financial stability and safeguarding the members' assets. We've proudly been serving members' needs since 1967!
Patriot Bank is a full-service bank with a focus on community service. The bank serves the growing markets of Shelby County, Tipton County and Fayette County with a wide range of consumer and commercial accounts and a mortgage division. Patriot Bank opened in Millington in October 2001 and has grown to eight full service banks in Arlington
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Patriot Bank Mortgage offers mortgages in Memphis, Shelby, Tipton and Fayette County markets. We also serve the surrounding areas.
"Bartlett Mortgage, Inc., will help. The Bartlett Mortgage team loves helping individuals and families throughout greater Memphis hang their hat in their new home.
We’re one of the largest mortgage companies in the greater Memphis area. The number of people we’ve helped obtain or build their homes is something we’re incredibly proud of.
Community Mortgage; our name says it all. Mortgages are all we do, and we are experts at it. We're committed to serving you with on time closing, local underwriting/decision making, expert support personnel and exceptional communication. We know your neighborhoods, understand your needs and we're here for you, every step of the way.
L G & W Federal Credit Union is dedicated to serving and supporting the MLGW family with the financial products and services they want and need. Our friendly and knowledgeable staff has just one goal-to serve you! Unlike some larger financial institutions, we see you as a unique person, not just another account number.
Hometown Captial Group mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
