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.
Guarantee Mortgage Company, College Station, Texas mortgage lender. What’s the difference between us and big banks? We shop around between different lenders to find you lower rates and more loan options to get you into your home faster. Call us today. Don’t settle for the one or two loan products banks offer.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
1st Alliance Mortgage is not like other mortgage providers. For us, it’s not just about products and price. It’s about service. Service to our customers and our community. Whether you’re buying your first home or refinancing, 1st Alliance Mortgage is your calm, clear and experienced guide through the mortgage process.
750 William D. Fitch Pkwy, Suite 330, College Station, TX, 77845
At 1st Alliance Mortgage we have the expertise and experience to get you the right mortgage, and to handle your transaction professionally. With our experience, and our rates and programs, you are sure to get the mortgage that is right for you. Whether you are buying, selling, or refinancing, it is important to have an experienced mortgage.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
We're a Christian/Veteran owned company with 25+ years of experience, that utilizes the most advanced technology, making things fast & easy, while offering the most competitive rates, lowest fees & best service around! NMLS ID 1570349 Equal Housing Lendervanced technology, making things fast & easy
C&T Mortgage, Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers.
795 Franklin Ave, Bldg C, Suite 202, Franklin Lakes, NJ, 07417
At Taylor Financial Group (TFG), we have always focused on the needs of high net worth clients, assisting with portfolio management, financial planning, retirement income, and taxes. Our goal at TFG is to decrease our clients’ taxes as much as possible in retirement in order to build wealth during their lifetime (and for generations to come).
Lone Star Bank was established in Houston in 2006. We are an independent and privately owned community bank primarily engaged in commercial banking with a diversified line of financial products and services, including conventional business and real estate loans and SBA loans. With superior customer service and local decision making.
