USDA and FHA Pro and Con in Bartlett, Shelby County, TN

In 2025, USDA loan limit in Bartlett, county of Shelby, TN is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Bartlett, county of Shelby, TN

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Bartlett, TN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Tennessee?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • South Georgia Banking Company
  • 725 West 2nd Street, Tifton, GA, 31794
  • South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
  • LTI Mortgage
  • 1801 North Hampton Road, Suite 415, Desoto, TX, 75115
  • LTI Mortgage was built on Loyalty, Trust and Integrity. We feel that everyone who wants to own a home should own a home and get a fair deal in the process. We're Here to make sure you get the best mortgage loan possible at a great price. We're a small company with much less overhead than the bigger companies.
  • TSW Mortgage & Associates
  • 1801 N Hampton Rd, Suite 383, Desoto, TX, 75115
  • TSW Mortgage & Associates. I will be your dedicated mortgage professional to help guide you through your loan process. Please feel free to reach out to me at any time with your loan questions.Conventionl, FHA, ARM, USDA/RHS, VA, 203k, Jumbo, Interest Only, Fix & Flip, Investment, Hard Money, Reverse Mortgage & Home Equity
  • City National Bank TX
  • 1465 West Second Avenue, Corsicana, TX, 75110
  • City National Bank is a privately owned institution that has embodied the spirit of community banking since the inception of bank in 1983.A group of local business leaders recognized the need for community bank that could better serve the area.The initial stock offering was opened up to the community with a several individuals able to participate.
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  • Waterman Bank, originally founded as “Waterman State Bank” by Humphrey Roberts in 1891, has been a pillar of the local Waterman and surrounding Southern DeKalb County community for over 110 years. Roberts, with the help of his sons, crafted Waterman State Bank’s time-tested foundation.
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  • 2024 E Pinetree Blvd, Suite C, Thomasville, GA, 31792
  • Peoples Choice helps borrowers with obtaining mortgage financing that best suits their financial needs and goals. We offer over 150 loan programs from lenders across America. Chances are we can help you find a loan that best fits your financial needs with low costs and competitive interest rates.
  • Hamstra Mortgage Professionals Inc
  • 2803 Boilermaker Court, Suite 1D, Valparaiso, IN, 46383
  • Hamstra Mortgage Professionals, Inc. is an Indiana licensed mortgage loan broker business. Hamstra Mortgage opened for business in September of 2006. Gene Hamstra is president/owner and has been in the mortgage business since March of 1989. With 28 years of experience, you will not find a more qualified loan originator.
  • Integrity Mortgage & Financial Services, Inc.
  • 3205 Cascade Dr, Suite B, Valparaiso, IN, 46383
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  • Citizens State Bank
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  • Established in 1925, Citizens State Bank serves individuals and businesses in Leon, Freestone, Limestone, Madison, Robertson, Houston, Anderson, Bosque, McLennan, Ellis, Johnson, Hill, Navarro, and Falls counties. Citizens State Bank presently offers products to make banking easier and more convenient for its customers.
  • Community National Bank and Trust of Texas
  • 906 North Buffalo Avenue, Buffalo, TX, 75831
  • Since 1964, Community National Bank & Trust has been dedicated to helping individual and business customers succeed. The mission statement of Community National is to be the bank of choice by providing exceptional service to our customers and a fair return to our shareholders. Our goal is always to serve the best interests of our communities.