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.
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