FHA Vs. USDA loan program for Cleveland, Bradley County, Tennessee

In 2026, the USDA loan limit in Cleveland, part of Bradley county, TN, is $336,500. Meanwhile, the FHA limit for single-family homes is $472,030.

Leverage the Lendersa® USDA loan calculator to compare today's USDA and FHA rates. This tool helps determine the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best option for your financial situation in .

Exploring USDA and FHA Loan Options in Cleveland, TN

Lendersa® is committed to finding you the ideal USDA or FHA loan efficiently and without hassle. Choose from three starting options that connect you with appropriate lenders and USDA programs.

Outcome of Lendersa USDA loan request and matching process

What is a USDA Loan in TN?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. These are available only in rural areas and require no down payment, unlike FHA loans, which need at least 3.5% down.

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Cleveland Lenders
(423) 339-8086 Lender's profile and map Home Mortgage Solutions LLC 31 Mouse Creek Rd Nw, Cleveland, TN, 37312 Lends in Tennessee Home Mortgage Solutions LLC offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Residential investment property FHA loans on double-wide Manufactured Homes with land on a permanent foundation built after 1976. Conventional loans with min. 5% down on double-wide Manufactured.
(423) 313-3218 Lender's profile and map USA Mortgage, Inc. 4035 Keith St NW, Cleveland, TN, 37312 Lends in Tennessee USA Mortgage is passionate about the mortgage lending process. We desire to exceed the expectations of our customers by holding their hand through the lending process and earning a lifetime friendship, not just a business relationship. The most valuable item to USA Mortgage is a return customer
(423) 336-4331 Lender's profile and map OMC Employees Credit Union 1186 Old Lower River Road NW, Charleston, TN, 37310 Lends in Tennessee O.M.C. Employees Credit Union has been open since 1992. New member eligibility requires that the person be a permanent employee of Olin Corporation, Solenis, or the OMC Employees Credit Union. A member’s spouse, spouse’s parents, children, children’s spouse, siblings, parents, and grandchildren* are all eligible for membership.
(423) 336-7268 Lender's profile and map Bowater Credit Union 5123 Highway 11 S, Calhoun, TN, 37309 Lends in Tennessee Our mission is to provide convenient, cost effective financial services by offering products that are efficient and responsive to our members’ changing needs. Our commitment is to operate in a financially sound manner with a staff dedicated to excellence. we seek to educate members to make better financial decisions.
(423) 559-1181 Lender's profile and map Smart Choice Credit Union 1075 Blythe Avenue SE, Cleveland, TN, 37311 Lends in Tennessee Our mission is to offer financial services to members of our community with an emphasis on asset development and the achievement of long-term financial security. We specifically will strive to develop relationships with persons who previously have had no interaction with existing financial institutions.
(423) 479-2168 Lender's profile and map Pathway Credit Union 2751 Ralph Buckner Boulevard NE, Cleveland, TN, 37311 Lends in Tennessee Pathway CU was established as a financial institution to meet the growing needs of the Church of God entities. Each member of the credit union is part owner of the organization. Members in good standing are privileged to vote for the Board of Directors.Each year financial gains are returned to the members in the form of dividends or other benefits.
(423) 479-6392 Lender's profile and map Cleveland/Bradley County Teachers Federal Credit Union 420 Central Avenue NW, Cleveland, TN, 37311 Lends in Tennessee We are committed to helping members enhance their financial status by providing needed financial products and services while operating in a sound financial manner. Since 1961, the Cleveland Bradley County Teachers Federal Credit Union has served the Cleveland & Bradley County areas in order to assist local teachers and their family members.
(423) 478-5656 Lender's profile and map Bank of Cleveland 75 Bobby Taylor Ave, Cleveland, TN, 37311 Lends in Tennessee Bank of Cleveland opened its doors on May 8, 1987 in a mobile facility on Keith Street. Back in 1987, the era of bank mergers was underway and Bank of Cleveland was established to provide Bradley County a true, locally owned and operated community bank. main bank office buildingToday, Bank of Cleveland is the only locally owned
(423) 745-9789 Lender's profile and map First Financial OF TENNESSEE HOME LOANS, LLC 913 Congress Pkwy N, Suite 100, Athens, TN, 37303 Lends in Tennessee First Financial OF TENNESSEE HOME LOANS, LLC, we understand that buying a new home or refinancing an existing mortgage is one of the most important decisions an individual or couple can make. That’s why it is our goal to serve communities by offering the best programs with the most competitive rates. Customer satisfaction is our number one goal.