FHA Vs. USDA loan program for Jefferson-City, Jefferson County, Tennessee

In the year 2026, the USDA loan limit in Jefferson-City, located in Jefferson county, TN, stands at $285,000. In comparison, the FHA loan limit for a single-family home is $356,362.

Take advantage of the Lendersa® USDA loan calculator to compare today's competitive USDA versus FHA rates and determine the income, credit, reserves, and documentation necessary to qualify. With our advanced mortgage calculator, review USDA, FHA, Conforming, and VA options side by side to find out which program in best suits your financial needs.

Exploring USDA and FHA Loan Options in Jefferson-City, TN

The objective of Lendersa® is to swiftly connect you with the best USDA or FHA loans available, without hassle. Choose from three starting strategies to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loan Programs in TN

A USDA home loan, guaranteed by the Department of Agriculture—commonly known as a USDA rural development loan—is specifically for rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans do not require any down payment, offering substantial benefits to eligible buyers.

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(833) 233-0251 Lender's profile and map Reviews United Mortgage Group 2321 1st Ave North, Birmingham, AL, 35203 We are a full-service mortgage company based in Birmingham, Alabama providing industry best solutions in residential purchase, refinance, renovation, and construction loans. Our product offering complements customers throughout Alabama, Florida, and Texas including Conventional, VA, FHA, USDA, and Jumbo loans.
(205) 320-4000 Lender's profile and map Reviews America's First Federal Credit Union 1200 4th Ave N, Birmingham, AL, 35203 America's First is a full-service financial institution with over $1.5 billion in assets and 19 branch locations across the Birmingham-Metro and Mobile, Alabama areas. As one of the strongest credit unions in the United States, we are committed to providing the most cost effective and convenient financial services for our members.
(334) 745-4711 Lender's profile and map Reviews Four Seasons Federal Credit Union 2915 Pepperell Parkway, Opelika, AL, 36801 Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
(334) 209-2500 Lender's profile and map Reviews Green Street Mortgage Lenders Inc 600 Avenue A, Suite B, Opelika, AL, 36801 Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, 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.
(877) 846-6307 Lender's profile and map Reviews BNB & Associates, LLC 108 Columbus Parkway, Opelika, AL, 36801 BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
(205) 930-1213 Lender's profile and map Reviews Health Credit Union 1400 6th Avenue South, Birmingham, AL, 35233 Health Credit Union was Chartered in 1955, to serve the employees of the Jefferson County Department of Health and their immediate families. Health Credit Union is a member of the Credit Union Services Center Network. Our members may use any CUSC office throughout the nation. As of January 2015, we have 1820 members & assets of over $20.6 million.
(205) 322-4026 Lender's profile and map Reviews Federal Employees CU 1509 4th Ave. South, Birmingham, AL, 35233 Members are the most important part of Federal Employees Credit Union. We are a non-profit financial institution that exists solely to service the financial needs of its members. Like most credit unions, we are governed by a Board of Directors and Supervisory Committee, which are democratically elected by the membership.
(323) 646-8367 Lender's profile and map Reviews Wolff Financial Inc 2508 Reliance Avenue, Apex, NC, 27539 We work with you to find the right program & secure low market rates to make sure you are paying the lowest payment each month. We keep you informed and return all emails & calls promptly so that you never have to wonder what is going on with your loan. We work closely with you through the process to meet all deadlines.
(919) 412-5375 Lender's profile and map Reviews 7 Locks Lending LLC 1750 Northwest Maynard Road, Suite 101, Cary, NC, 27513 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients that meet their overall financial goals while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to provide a positive experience with the process centered around communication
(919) 463-7888 Lender's profile and map Reviews Tarheel Mortgage 1014 High House Road, Suite 100, Cary, NC, 27513 At Tarheel Mortgage we can match clients with home loans and refinancing products from more than 20 lenders at wholesale rates. Plus, on most loan programs you'll never pay us a fee. Whether you want to purchase a home for no-money down, no points, no PMI or need to qualify with past credit issues,
(919) 244-5656 Lender's profile and map Reviews Pathway Mortgage Group 140 Preston Executive Dr, Suite 205D, Cary, NC, 27513 Pathway Mortgage Group is a nationally recognized, locally owned independent mortgage broker in Cary, NC, serving North Carolina consumers exclusively. Pathway is proud to offer very competitive rates from the best wholesale lenders in the country. Competition, combined with our elite experience and execution.
(937) 236-2562 Lender's profile and map Reviews DayMet Credit Union 4988 Wagner Ford Road, Dayton, OH, 45414 DayMet Credit Union is a full-service financial institution that exists to help our members achieve financial success. As a credit union, DayMet is a not-for-profit cooperative. Every member is a part-owner and we are governed by a board of directors elected from within our membership.