For the year 2026, in Fayetteville, within the county of Lincoln, situated in TN, the USDA loan maximum is set at $336,500. Conversely, the FHA loan limit for a single-family home stands at $472,030.
Use the Lendersa® USDA loan calculator to assess and compare the best current USDA versus FHA rate options. Evaluate the necessary income, credit score, reserves, and documents required to qualify for these loans. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side. This comprehensive tool assists you in determining which program in is most suited to your specific financial situation.
2026 Loan Limits and Down Payment Requirements in Fayetteville, Lincoln, TN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Fayetteville, TN
The aim of Lendersa® is to help you acquire the best USDA or FHA loan swiftly and efficiently. Choose from three initial steps to connect with matching lenders and USDA loan options.
A USDA home loan is guaranteed by the government through the Department of Agriculture, also known as USDA rural development loan or USDA mortgage. It is offered exclusively in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage requires no down payment, providing potential savings for eligible applicants.
Bank of Lincoln County is known for being the only “Home-Owned” and “Home-Operated” bank in Lincoln County. We want to know you so we can provide you with the products and services that fit your lifestyle. We understand that businesses are the backbone of our community, so we deliver sophisticated business products
Bank of Frankewing, a 100-year-old financial services institution, serves southern, middle Tennessee and northern Alabama with personalized, friendly banking opportunities. Bank of Frankewing is an independent institution focusing on the needs of our communities by offering a comprehensive range of personal and business banking services
At Jack Daniel Employees’ Credit Union. Founded in 1977, Jack Daniel Employees’ Credit Union provides a wide range of financial products with a personal touch and genuine concern for our members. Credit unions were formed with one concept in mind, “people helping people”. This simple idea created an enormous movement.
Since we opened our doors on Elm Street in Shelbyville, Tennessee in 1988, we have built our reputation on quality customer service. From that time, we have grown from 10 to 68 employees, and opened three additional branches. In 2002, we purchased a mortgage business, which is now known as First Community Mortgage and employs more than 200 people.
Peoples Bank of Middle Tennessee is proud to be locally owned and operated. Locally owned means decisions are made locally. The money you deposit in Peoples Bank is reinvested in the form of loans to individuals, businesses, churches and municipalities in middle Tennessee.Peoples Bank was founded in December, 2000 with the goal to provide the full
Heritage South has grown to over 25, 000 members across the communities of Bedford, Marshall, and Rutherford Counties in central Tennessee. We are a non-profit financial cooperative owned by our account holders This means we put our members’ interests first and aren’t working to make a board of Wall Street investors rich.
First Commerce Bank was the dream of a group of local people who saw the need for a locally owned, locally managed community bank. With the help of over 1,000 shareholders, that dream became a reality on December 2, 2002. Our goal is to provide our community with competitive banking products that meet our customers' needs.
First National Bank of Pulaski is a Bank with operations in two states. First National Bank of Pulaski offers numerous mortgage programs including conventional, FHA, VA and construction mortgages As a community Bank with a commitment to help our neighbors, we promise you’ll enjoy convenience without getting lost in the shuffle.
