USDA Vs. FHA Pro and Con comparison in Ashland-City, Cheatham County, TN

For 2025, the USDA loan limit in Ashland-City, in Cheatham County, TN, is $469,200. The FHA limit for single-family homes is $586,500.

Use the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA, determining income, credit, reserves, and necessary documents to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you select the optimal program for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Ashland-City, Cheatham County, TN

Loan Type Loan Limit Down Payment
USDA $469,200 0%
FHA $586,500 3.5%
Conventional Conforming $586,500 3%

USDA and FHA Loan Options in Ashland-City, TN

Lendersa®'s goal is to promptly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to connect with matching lenders and USDA loan programs.

Matching results from Lendersa USDA loan requests

Understanding USDA Loans in TN

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, is available solely in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Health Credit Union
  • 1400 6th Avenue South, Birmingham, AL, 35233
  • Health Credit Union was Chartered in 1955, to serve the employees of the Jefferson County Department of Health and their immediate families. Health Credit Union is a member of the Credit Union Services Center Network. Our members may use any CUSC office throughout the nation. As of January 2015, we have 1820 members & assets of over $20.6 million.
  • Federal Employees CU
  • 1509 4th Ave. South, Birmingham, AL, 35233
  • Members are the most important part of Federal Employees Credit Union. We are a non-profit financial institution that exists solely to service the financial needs of its members. Like most credit unions, we are governed by a Board of Directors and Supervisory Committee, which are democratically elected by the membership.
  • Just 4 You Home Loans
  • 110 E Main St, Suite 107, Georgetown, KY, 40324
  • Just 4 You Home Loans L.L.C. is located in Georgetown, KY, United States and is part of the Activities Related to Credit Intermediation Industry. Just 4 You Home Loans L.L.C. has 4 total employees across all of its locations and generates $357, 777 in sales (USD). (Employees and Sales figures are modelled).
  • The First National Bank of Manchester
  • 120 Town Square, Manchester, KY, 40962
  • The Comptroller of the Currency gave a charter to The First National Bank of Manchester on February 5, 1905. The first president was Civil War veteran Dr. I.S. Manning. In addition to his medical practice, he was a merchant, civic leader and superintendent of Clay County schools. He was one of Clay County's wealthiest citizens.
  • Writealoan.com, Inc
  • 21 Hawks Farm Rd, White, GA, 30184
  • We specialize in the home loan industry, so don't expect great deals on books, toys, airline tickets, and charge cards or auto loans. We only offer great deals on home loans. We will not auction the loan as if it were a used car. We promise to treat customers with the respect they deserve.
  • Carrollton Federal Bank
  • 2539 Highway 227, Carrollton, KY, 41008
  • Established in 1875, Carrollton Federal Bank is the oldest financial institution in Carroll County. Since 1937 Carrollton Federal has been FDIC insured. To best serve our customers in 2002 we converted to a full service bank and changed our name from Carrollton Federal Savings & Loan to Carrollton Federal Bank.
  • First National Bank of Kentucky
  • 604 Highland Ave, Carrollton, KY, 41008
  • Founded in 1881, our first location opened in Carrollton, KY. As that community grew, our bank grew with it. Today, FNBKY operates throughout Carroll County and its surrounding area while staying firmly rooted in our tradition of community banking. The First National Bank of Kentucky is a community-based financial institution.
  • Fairway Independent Mortgage
  • 2220 Highway 51 S, Hernando, MS, 38632
  • Here at Fairway Independent Mortgage Corporation, we offer a variety of loan options that can help you achieve homeownership with the speed and service you deserve. Financing a home is one of the biggest commitments you will ever make - let us help guide you throughout the entire loan process from application to closing and beyond. We look forwar