USDA and FHA Pro and Con in Harriman, Roane County, TN
In 2026, the USDA loan cap for Harriman, in the county of Roane, TN, is $336,500, while for a single-family house, the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best plan for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Harriman, Roane, 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 Alternatives in Harriman, TN
Lendersa® aims to quickly and effortlessly get you the best possible USDA or FHA loan. Choose one of three starting points that lead to matching lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage requires none at all.
TN Members 1st was Oak Ridge’s first credit union chartered by the Federal Government to service the employees of the Department of Energy. In October 2005, TN Members 1st received its community charter for Anderson, Knox, and Roane counties. Tennessee Members 1st Federal Credit Union exists to provide quality financial services for its members.
Kimberly Richards President has been in the industry since 1985. She has worked as a forensic underwriting auditor with the federal government and private investors; operated several mortgage branches in TN, TX, GA, MS, and AL; and knows every step of a loan from beginning to end.
Y-12 Federal Credit Union is a federally chartered not for profit organization, owned by its members, offering a wide range of financial services to its members/owners. The Credit Union was chartered in 1950, to serve the employees of the Union Carbide Y-12 Nuclear Weapons Production Plant.
Enrichment Federal Credit Union opened its first small office In 1950, as K-25 Federal Credit Union to provide financial services to the employees of the Oak Ridge Gaseous Diffusion Plant (K-25). The K-25 plant enriched uranium as part of the Manhattan Project. In 2003 we converted to a community charter which expanded our field of membership.
ORNL Federal Credit Union (FCU) is a not-for-profit, member-owned financial cooperative benefiting all who belong. Since 1948, our mission has been to help our members create healthy relationships with their money. By helping hundreds of thousands of members see success, we have become one of the largest credit unions in East Tennessee.
Foothills Federal Credit Union was chartered as UC Employees Credit Union in 1962 to serve employees of the Union Carbide Company in Loudon, Tennessee. In 1983 we expanded our charter to include numerous employee groups. In 2001, we changed our name to Foothills Federal Credit Union to reflect our diverse groups of members. In November of 2005, we
First Choice Lending Services can help you achieve your goals. To set up the right Knoxville, TN Mortgage plan for you, get in touch with us. At First Choice Lending Services, we have a better way. We try to build life-long relationships with our customers by giving them the best deal on their home mortgage, at the lowest rate.
SouthEast Bank has become a premiere financial institution in Tennessee by delivering exceptional quality service, & innovative Banking products to its clients. Our experienced staff diligently serves our communities with integrity and a sense of pride by offering exceptional service & value to not only our customers, but the community as a whole.
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