USDA Vs. FHA your options comparison in Carthage, Smith County, TN
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.
CedarStone Bank is known for returning to the simple basics of banking. Our friendly, experienced bankers are a group of business and community leaders in Wilson County & Nashville who deliver professional services and products to individuals and businesses. We are always looking for people who share our vision of serving.
Wilson Bank & Trust was founded on May 5, 1987, by a group of local business leaders under the leadership of the founding CEO, Randall Clemons. The first office was located in this small house located in Lebanon, Tennessee. Since then, we've grown considerably with 29 offices in nine counties, and we remain focused on our mission to serve
First Freedom is not just another bank; they're your neighbors. When you need answers, you get answers from someone right here in Wilson County, who shares your hometown values. They are committed to a level of service that you just won't find anywhere else. Member FDIC and Equal Housing Lender.
Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.
303 Red Boiling Springs Road, Lafayette, TN, 37083
Lends in Tennessee
Starr Mortgage Can Help We can customize your financial package. FHA, RD, VA, Conventional & Land-Only Loans! 100% Financing No Money Down Home Purchases Refinances / Debt Consolidation 10-30 Year Terms Available Products were inspired by Behance's research of especially productive teams in the creative industry.
We are a not-for-profit federally chartered and insured financial institution. Not-for-profit means that there are no outside investors and our Board of Directors is elected by the membership. They donate their time and expertise to serve you, the member. Further, all the credit union’s earnings are returned to you, our member-owner.
Putnam 1st Mercantile is one of only two banks that is both locally owned & operated in Putnam County. The bank was organized by a group of Putnam County residents looking for a true community bank. The organizers wanted a bank where customers could still be treated like family and were they could interact with someone capable of making a decision.
At Skyway Financial, LLC. We are a full-service mortgage company. We specialize in Conventional Refinance and Home Purchases. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
"We offer hundreds of loan programs and mortgage choices to our customers, but our strength lies in the knowledge and experience of our loan officers. Many of our loan officers have been in the industry for decades and have successfully handled all types of home buying situations. Our loan officers are responsive.
