USDA and FHA Pro and Con in Jackson, Madison County, TN
In 2026, the USDA loan limit for Jackson in Madison county, TN stands at $336,500, while the FHA limit for a single-family property is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's USDA versus FHA best rates and figure out the necessary income, credit, reserves, and documents required for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program in best fits your financial situation.
Loan Limits and Downpayment Details for 2026 in Jackson, County of Madison, TN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Overview of USDA and FHA Loan Options in Jackson, TN
The goal of Lendersa® is to efficiently secure the best USDA or FHA loan for you, without complications. Choose one of three starting paths that will match you with the right lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan offered by the Department of Agriculture. These loans are specifically designed for rural areas and differ from FHA loans, which require a minimum down payment of 3.5%, as USDA loans require no down payment.
Leverage the advanced tools from Lendersa® to effectively navigate and compare your options, ensuring that your choices are aligned with your financial objectives in Madison. This preparation leads to a seamless application experience.
Salter Mortgage Group, or SMG Mortgage as many of you know us, has been serving customers with home loans since 2007 and enjoyed steady growth every year in one of the toughest markets in our lifetime. We believe this growth is due to a team who is committed to providing our clients with the highest quality financial services combined
153 Narrows Parkway, Suite 103, Birmingham, AL, 35242
At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans
204 Griffin Park Drive, Suite B, Birmingham, AL, 35242
Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.
4500 Valleydale Road, Suite F, Birmingham, AL, 35242
Gagliano Mortgage, Inc team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
First State Bank is proud to be a locally-owned hometown bank. We are dedicated to not only meeting but exceeding your customer service expectations of quality customer service.
This bank and every director, officer and employee is a part of this community. We live, shop and belong to the same organizations as you.
We are invested in making the communities we serve stronger and providing the best experience for our clients. “Smaller Bank, Bigger Service, Stronger Community” is not just a tagline; it’s a promise. Our commitment to client and community service is at the forefront of everything we do.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
First Farmers and Commercial Bank, (formerly First National Bank of Pikeville) has strived and grown to meet community needs. Some 70 prominent Bledsoe Countians organized the community bank and today there are over 201 community minded people involved in the bank’s ownership. First Farmers and Commercial Bank, charter on September 30, 1913.
The credit union began operating on January 1, 1972, with 452 members & $4, 766 in shares. After over 5 decades of service, the credit union’s membership has increased to over 2, 800, with total assets exceeding $10 million. You can do business with the BCBST Employee CU with confidence because of its history of stability, professionalism & growth.
Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.
401 Chestnut Street, Suite 101, Chattanooga, TN, 37402
When it comes to managing your money and growing your company, a banking relationship based on personalized service is becoming harder to find- that’s why we created RockPoint Bank. We're a locally-owned business bank headquartered in Chattanooga, Tenn., that embraces the spirit of our community.
