In 2026, the USDA loan threshold in Collegedale, falling under the county of Hamilton, TN, is $336,500, whereas the FHA limit for a single-family residence stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the top USDA vs. FHA rates available today. Assess the income, credit scores, reserves, and documentation needed for qualification. This cutting-edge mortgage calculator places the USDA, FHA, Conforming, and VA loan programs side by side to aid in determining the most appropriate selection for your specific financial needs in
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| Type of Loan | Maximum Amount | Initial Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to streamline your access to the best USDA or FHA loan quickly and without inconvenience. You can choose from three different starting approaches to match with lenders and USDA loan options.
The USDA home loan, endorsed by the government Department of Agriculture, also recognized as the USDA rural development loan or USDA mortgage, is only applicable for rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans do not demand any down payment, making them highly affordable.
Enter your location to find out if it qualifies for USDA rural housing loan?
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