In 2026, the USDA loan limit for Carthage in Smith County, TN, is $555,600, while the FHA limit for a single-family home is $890,100.
Use the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates, and establish the income, credit, reserves, and documentation needed for qualification. Using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side to determine which program in best suits your financial needs.
2026 Loan Limits and Down Payment Requirements in Carthage, County of Smith, TN
Loan Type
Loan Limit
Down Payment
USDA
$555,600
0%
FHA
$890,100
3.5%
Conventional Conforming
$890,100
3%
USDA and FHA Loan Options in Carthage, TN
The objective of Lendersa® is to secure the best possible USDA or FHA loan quickly and without hassle. Start with any of the three options that align you with suitable lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, sometimes called a USDA rural development loan or USDA mortgage, and is available only in rural areas. FHA loans require a minimum 3.5% down payment, whereas USDA loans boast no down payment requirement.
At Pioneer it's Personal is more than just our tagline, it's a way of life at Pioneer Bank. We are a locally owned community-focused bank with enough geographical reach to compete digitally while still being able to provide exceptional one-on-one personal service. If you're already a customer, thank you!
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USI Federal Credit Union was organized in 1959 as a non-profit financial cooperative. The purpose of the Credit Union’s was to serve the employees of USI and their families and today we continue the tradition.
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American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.
Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.
Founded as a one-branch credit union serving Picatinny Arsenal in 1939, we have continued to grow and evolve in tandem with the community we serve. In 2005, Picatinny was approved for a Community Charter, with membership now open to anyone who lives, works, worships or goes to school in Morris County, as well as their immediate families.
222 East Renfro St, Suite 134, Burleson, TX, 76028
Exceptional Service is only the beginning! Our team of mortgage professionals are knowledgeable and use first-hand experience to make sure your transaction is as seamless as possible. We’ll guide you through every step of the process. Helping you meet your real estate goals is why we do what we do.
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