In the year 2026, within Erwin located in the county of Unicoi, in the state of TN, the USDA loan limit is established at $336,500. Concurrently, the FHA loan limit for a single-family home is set at $472,030.
Make use of the Lendersa® USDA loan calculator to weigh current top USDA versus FHA rate options and evaluate the necessary income, credit scores, financial reserves, along with the documentation needed to meet qualification criteria. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options in a side-by-side comparison. This assists you in identifying which program best suits your distinctive financial needs within the state of .
2026 Loan Limitations and Down Payment Guidelines for Erwin in Unicoi, TN
Loan Category
Ceiling Amount
Minimum Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Erwin, TN
At Lendersa®, our aim is to ensure you secure the most favorable USDA or FHA loan promptly and without complications. Choose from three introductory approaches that facilitate engagement with corresponding lenders and specialized USDA loan programs.
A USDA home loan is one that is assured by the government through the Department of Agriculture, commonly known as the USDA rural development loan or USDA mortgage. This loan option is exclusively available in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA mortgage enables financing with zero down payment, offering considerable advantage to those eligible.
At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
2110 West Mountcastle Drive, Johnson City, TN, 37604
Lends in Tennessee
Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.
1102 W. Market St, Suite 20, Johnson City, TN, 37604
Lends in Tennessee
Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender.
Our mission is to provide financial products & services that add superior value to membe
Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.
5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
Lends in Tennessee
The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.
At Andrew Johnson Bank, exceptional service from people you know is our focus. We are, and will remain, a community-led bank with the best interest of those we serve. We strive for excellence in every way, and we want to exceed your expectations. We promise to treat you, our friend, with respect.
