USDA Vs. FHA Pro and Con comparison in La-Vergne, Rutherford County, TN

As of 2026, the USDA loan cap in La-Vergne, within Rutherford, TN, is $469,200. The FHA ceiling for single-family homes is $586,500.

To weigh the USDA against FHA rates and evaluate eligibility based on factors such as income, credit, reserves, and document requirements, use Lendersa®'s USDA loan calculator. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side to choose the best option for your financial needs in Alabama.

Examine loan offers from 100 lenders

2026 loan ceilings and down payment needs in La-Vergne, Rutherford, TN

Loan Type Loan Limit Down Payment
USDA $469,200 0%
FHA $586,500 3.5%
Conventional Conforming $586,500 3%

USDA and FHA loan choices in La-Vergne, TN

Lendersa® aims to swiftly secure you the most advantageous USDA or FHA loan with ease. Select one of three paths leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TN

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture for rural areas only. It does not require any down payment, unlike FHA loans with a minimum of 3.5% down.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • SLR Mortgage Inc
  • 4080 McGinnis Ferry Rd, Unit 1308, Alpharetta, GA, 30005
  • SLR Mortgage Inc you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • ANCHOR HOME MORTGAGE
  • 6495 Shiloh Road, Suite 410, Alpharetta, GA, 30005
  • Sean at Anchor Home Mortgage went above and beyond. After being given the run around then bait and switch at a Local Traditional Large Bank, I came to Sean with two requests, one ask for all documents up front and center and two - close in 15 to 21 days. Sean achieved close in 15 days and additionally got me an even better interest rate .

  • MORTGAGE BROTHERS, LLC
  • 91 Lambets Way, Alpharetta, GA, 30005
  • We’re here to help you secure a loan that sets you up for a successful financial future. Simple as that. The Mortgage Brothers will work with you every step of the way as you search for the right mortgage to find the best rates possible, whether you’re buying your first home or searching for your next investment.

  • Atlantic Home Mortgage LLC
  • 6250 Shiloh Road, Suite 220, Alpharetta, GA, 30005
  • In 2018, we started a mortgage company to help people get better rates. With over a decade of firsthand mortgage experience, we’ve seen exactly how inefficient the industry is.
    By focusing on the needs of our clients for speed, ease, and transparency, we were able to quickly stand out in the mortgage industry.

  • THE PING MORTGAGE COMPANY
  • 11545 Park Woods Circle, Suite A, Alpharetta, GA, 30005
  • The Ping Mortgage Company was created out of a need for a better way to finance your real estate transactions. We are a group of mortgage professionals who have broad experience and knowledge in real estate finance. We strive to provide the lowest possible interest rates and fees available in the market, and we have achieved it through hard work

  • EAGLE LENDING CORPORATION
  • 1280 Elk Ridge Cove, Alpharetta, GA, 30005
  • 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.

  • The Bank of Carbondale
  • 216 East Main Street, Carbondale, IL, 62901
  • The Bank of Carbondale was originally chartered as the Vergennes State Bank in 1919, located on the corner of Hack Avenue and Main Street in Vergennes, Illinois.

    In 1970, the charter was transferred and established as The Bank of Carbondale, with a Main Street location in downtown Carbondale. In January 1981,

  • Newport Federal Bank
  • 170 West Broadway, Newport, TN, 37821
  • Since 1934 we have been a hometown bank with your needs as our number one priority. That is why we offer a wide variety of products and friendly, reliable service-all in three convenient locations. From checking accounts to savings, loans, and investment opportunities, we offer the latest in financial services.

  • BATES MORTGAGE GROUP LLC.
  • 3200 Highlands Parkway SE, Suite 105, Smyrna, GA, 30082
  • Bates Mortgage Group LLC. is a Correspondent Lender licensed in 23 states that provides residential mortgage & Commercial loans for purchase and refinance. We offer all the familiar home loan programs such as Conventional, FHA, VA, Jumbo & USDA loans along with several specialty type mortgage programs.

  • Just 4 You Home Loans
  • 110 E Main St, Suite 107, Georgetown, KY, 40324
  • Just 4 You Home Loans L.L.C. is located in Georgetown, KY, United States and is part of the Activities Related to Credit Intermediation Industry. Just 4 You Home Loans L.L.C. has 4 total employees across all of its locations and generates $357, 777 in sales (USD). (Employees and Sales figures are modelled).

  • Ampot Federal Credit Union
  • 40481 Old Highway 45 S, Hamilton, MS, 39746
  • AMPOT Federal Credit Union was founded as a credit union for American Potash employees and their immediate families, June 30, 1969. We have served these families since that time and we have remained a strong, secure credit union throughout the years. Since our beginning, American Potash has changed names to Kerr McGee Chemical and now it is Tronox.

  • Fund and Close
  • 290 Carpenter Drive Northeast, Sandy Springs, GA, 30328
  • Fund and Close, led by Mona Carter, empowers your real estate journey with 100% financing solutions, eliminating credit checks or income verification. Experience rapid, seamless closing processes tailored to your needs, making property investments accessible and hassle-free. Take the first step towards financial freedom with unmatched ease and effi