USDA and FHA Pro and Con in Gallatin, Sumner County, TN
In 2026, the USDA loan limit for Gallatin, situated within Sumner county, TN, is set at $555,600. Meanwhile, the FHA limit for single-family homes stands at $890,100.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, evaluating the required income, credit, reserves, and documentation to qualify. Our advanced mortgage tool showcases USDA, FHA, Conforming, and VA loans side by side, helping you decide which program is more fitting for your financial needs in .
Comprehensive 2026 Loan Limits and Downpayment Information in Gallatin, County of Sumner, TN
Loan Type
Loan Limit
Down Payment
USDA
$555,600
0%
FHA
$890,100
3.5%
Conventional Conforming
$890,100
3%
Navigating USDA and FHA Loan Choices in Gallatin, TN
Lendersa® is committed to swiftly facilitating the best USDA or FHA loans for you without complications. Select from three starting options to connect with matching lenders and suitable USDA loan options.
The USDA home loan, also called a USDA rural development loan or USDA mortgage, is a government-supported loan by the Department of Agriculture. Exclusively offered in rural regions, these loans do not require down payments, in contrast to FHA loans, which necessitate a minimum of 3.5%.
Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.
At Tri-Star Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available
The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.
For over 20 years, Elderlife has helped thousands of families transition loved ones into senior living. Typically families are focused on mom or dad’s health and selecting the best community based on their needs, leaving the financial aspect as an afterthought. We are here to help you create a plan to pay for senior living.
Since 1977, Volunteer State Bank has been proud to bring an enriching banking experience to the people of Middle Tennessee. Since day one, we've been committed to providing personalized service, on top of value-added products offering to help our customers reach their life goals.
CedarStone Bank is known for returning to the simple basics of banking. Our friendly, experienced bankers are a group of business and community leaders in Wilson County & Nashville who deliver professional services and products to individuals and businesses. We are always looking for people who share our vision of serving.
Wilson Bank & Trust was founded on May 5, 1987, by a group of local business leaders under the leadership of the founding CEO, Randall Clemons. The first office was located in this small house located in Lebanon, Tennessee. Since then, we've grown considerably with 29 offices in nine counties, and we remain focused on our mission to serve
First Freedom is not just another bank; they're your neighbors. When you need answers, you get answers from someone right here in Wilson County, who shares your hometown values. They are committed to a level of service that you just won't find anywhere else. Member FDIC and Equal Housing Lender.
We're the mortgage brokers with Lending Hand Mortgage LLC, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We understand that no two clients are the same so our loan origination approach is tailored to each client for their specific needs.
