USDA and FHA Pro and Con in Lafayette, Macon County, TN
During 2026, the USDA loan limit in Lafayette, within Macon County, TN, stands at $555,600. The FHA limit for a single-family home is $890,100.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, identifying the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you decide the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Lafayette, Macon County, TN
Loan Type
Loan Limit
Down Payment
USDA
$555,600
0%
FHA
$890,100
3.5%
Conventional Conforming
$890,100
3%
Options for USDA and FHA Loans in Lafayette, TN
Lendersa® aims to swiftly secure the ideal USDA or FHA loan for you without hassle. Choose one of three methods to connect with lenders and find suitable USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and commonly known as a USDA rural development loan, is available exclusively in rural areas. It does not require any down payment, unlike FHA loans, which need a minimum of 3.5%.
Citizens Bank of Lafayette, Tennessee, was organized under state charter on April 10, 1909. M.S. Freeman was elected as the bank’s first president and W.J. Hirring was elected vice-president. The 83 original shareholders invested $12, 000. Citizens Bank opened for business on July 1, 1909.
303 Red Boiling Springs Road, Lafayette, TN, 37083
Lends in Tennessee
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CedarStone Bank is known for returning to the simple basics of banking. Our friendly, experienced bankers are a group of business and community leaders in Wilson County & Nashville who deliver professional services and products to individuals and businesses. We are always looking for people who share our vision of serving.
Wilson Bank & Trust was founded on May 5, 1987, by a group of local business leaders under the leadership of the founding CEO, Randall Clemons. The first office was located in this small house located in Lebanon, Tennessee. Since then, we've grown considerably with 29 offices in nine counties, and we remain focused on our mission to serve
First Freedom is not just another bank; they're your neighbors. When you need answers, you get answers from someone right here in Wilson County, who shares your hometown values. They are committed to a level of service that you just won't find anywhere else. Member FDIC and Equal Housing Lender.
Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.
At Tri-Star Financial Group, 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. Also, the big banks have a limited number of lending options available
The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.
