USDA and FHA Pro and Con in Harrison, Hamilton County, TN
In 2026, the USDA loan limit for Harrison, in Hamilton county, TN, is $336,500, whereas the FHA limit for a single-family home is $472,030.
With the Lendersa® USDA loan calculator, you can assess and compare today's top USDA against FHA rates, determining the necessary income, credit reserves, and documentation to qualify. Using our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side, which aids in deciding the best option for your financial scenario in .
2026 Loan Limits and Down Payment Requirements in Harrison, Hamilton, 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 Harrison, TN
The aim of Lendersa® is to promptly provide the best USDA or FHA loan without any hassle. Choose one of three starting points that connect you with matching lenders and USDA loan programs tailored to your needs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan, is accessible only in rural areas. While FHA loans require a minimum down payment of 3.5%, USDA loans require no down payment, offering beneficial terms for eligible applicants.
We are committed to advancing financial peace of mind within our community by offering products and services our members need, when they need them. We also strive to educate our members and our community as a whole to equip them with the knowledge they need to achieve financial peace of mind.
Memorial Credit Union is committed to providing financial benefits which are recognized by its members as offering value. The Credit Union will promote savings, provide valued and expanding financial services, and encourage financial stability within the community, while operating in a sound financial manner.
Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.
Since its founding in 1986, Mortgage South has helped more than 8, 000 homeowners across Tennessee and North Georgia finance their new homes. Locally owned and operated, the firm prides itself on the reliability and accuracy of its loans. Mortgage South is also the leading originator of reverse mortgages in Tennessee,
HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
Healthcare Services Credit Union was originally chartered on March 25, 1952 under the name of Erlanger Hospital Credit Union. The purpose of the Credit Union was to provide a safe place for the employees of Erlanger Hospital to save and borrow. Now under the name of HEALTHCARE SERVICES CREDIT UNION, we serve over 4675 members.
Citizens was opened by local citizens in 1917 to serve the loan needs of people who have limited access to bank credit. Citizens primarily makes secured and unsecured loans to individuals with less than perfect credit or collateral for personal, family or household purposes Automobiles and personal property are all acceptable as collateral.
Our mission is to serve as our member's primary financial institution by providing competitive products and services with superior customer service and delivering those services utilizing technology by a highly trained and motivated staff. To provide these products and services in a professional, personal and competitive manner.
Since 1954, our Credit Union has been serving its members in and around the Chattanooga area with exceptional financial products and service. We offer our 2, 400 members convenient banking options through online banking, direct deposit, e-statements, and access to more than 30, 000 surcharge-free ATMs across the country.
