For 2026, the USDA loan limit in Germantown, located in Shelby county, TN, is $336,500. By contrast, the FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates available today. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, helping to select the best-suited program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® works to efficiently provide you with the best USDA or FHA loan quickly, free from complications. Choose one of the three initial paths that link you with suitable lenders and USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture. Exclusively available in rural areas, USDA loans require no down payment, unlike FHA loans, which need at least a 3.5% down payment.
With Lendersa®’s advanced tools, analyze and compare loan limits and down payment requirements, ensuring your financial decisions are well aligned with your goals in Shelby, leading to a smooth application process.
Enter your location to find out if it qualifies for USDA rural housing loan?
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