USDA Vs. FHA your options comparison in Cookeville, Putnam County, TN

As of 2025, the USDA loan limit in Cookeville, part of Putnam county, TN, amounts to $336,500. For a single-family home, the FHA limit is $472,030.

Leverage the Lendersa® USDA loan calculator to assess and contrast today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, facilitating a decision on which program aligns with your financial scenario in .

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Details on 2025 Loan Limits and Downpayment Requirements in Cookeville, County of Putnam, TN

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Examining USDA and FHA Loan Options in Cookeville, TN

The mission of Lendersa® is to facilitate quick access to the best USDA or FHA loan solutions, without any hassle. Choose one of three initial options to connect with suitable lenders and USDA loan programs.

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Understanding USDA Loans in TN

A USDA home loan, often called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. Exclusively offered in rural areas, these loans require no down payment, unlike FHA loans, which mandate a minimum of 3.5% down.

The advanced tools provided by Lendersa® aid you in comparing different loan limits and ensuring choices align with your financial objectives in Putnam, thereby streamlining your application process.

Enter your location to find out if it qualifies for USDA rural housing loan?



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