USDA Vs. FHA your options comparison in Dayton, Rhea County, TN
In 2026, the USDA loan limit for Dayton, located in Rhea county, TN, is $336,500. For single-family homes, the FHA cap is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the best USDA vs. FHA rates available today. Discover the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the most suitable program in for your financial situation.
2026 Loan Limits and Down Payment Needs in Dayton, Rhea County, TN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Dayton, TN
Lendersa® seeks to provide you with the optimal USDA or FHA loan quickly and smoothly. Choose from three starting approaches to connect with lenders and USDA loan offerings.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specifically for rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, making them very accessible for qualified borrowers.
SimplyBank is a privately-owned community bank where local bankers make local decisions. Built on more than 130 years of service to East Tennessee and Northwest Georgia, we remain motivated to deliver simply exceptional experiences to every community we serve through seamless financial solutions.
First Farmers and Commercial Bank, (formerly First National Bank of Pikeville) has strived and grown to meet community needs. Some 70 prominent Bledsoe Countians organized the community bank and today there are over 201 community minded people involved in the bank’s ownership. First Farmers and Commercial Bank, charter on September 30, 1913.
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.
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.
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
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.
Mountain Valley Bank has a rich history within our community of the Sequatchie Valley, a history which began over 100 years ago. We opened in a corner of the Moore Hotel as a home-owned independent bank in the heart of Dunlap, Tennessee in 1905, originally known in town as Sequatchie County Bank.
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.
106 South Main St, Suite 103, Crossville, TN, 38555
Lends in Tennessee
The mission of Highland Federal Savings and Loan Association is to provide quality products and professional, personal service to our customers, who are the focus of everything we do. Locally owned and operated since 1961, member of FDIC and an Equal Housing Lender, we continue to promote security and trust as absolute priorities.
