USDA VS FHA in Athens, McMinn County, TN

In 2025, the USDA loan limit for {CITY}}, in {COUNTY}}, {STATE}}, is {DETAILS_LOAN_LIMIT_USDA_1_4}}, while the FHA limit for a single-family home is {DETAILS_LOAN_LIMIT_FHA1}}.

Use the Lendersa® USDA loan calculator to compare today’s USDA versus FHA top rates, determining the income, credit, reserves, and necessary documents needed to qualify. Our advanced mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you choose the best program for your financial situation in Alabama.

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{CURRENT_YEAR}} Loan Limits and Downpayment Requirements in {CITY}}, {COUNTY}}, {STATE}}

Loan Type Loan Limit Down Payment
USDA {DETAILS_LOAN_LIMIT_USDA_1_4}} 0%
FHA {DETAILS_LOAN_LIMIT_FHA1}} 3.5%
Conventional Conforming {DETAILS_LOAN_LIMIT_CONVENTIONAL1}} 3%

USDA and FHA Loan Options in {CITY}}, {STATE}}

Lendersa® aims to quickly secure you the best USDA or FHA loan with minimal hassle. Choose one of three starting points to connect with appropriate lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What are USDA Loans in {STATE}}?

The USDA home loan, or USDA rural development loan, is backed by the U.S. Department of Agriculture and available in rural areas only. Unlike FHA loans that need a minimum 3.5% down payment, USDA mortgages require none.

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



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  • Epic Mortgage, we serve our customers with honesty, integrity and competence, while providing them with the lowest interest rates and closing costs available. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan with many other lenders
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