USDA Vs. FHA Pro and Con comparison in Lenoir-City, Loudon County, TN

In 2025, the maximum USDA loan limit in Lenoir-City, Loudon, TN is $285,000, whereas the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA versus FHA rates today and determine the necessary income, credit, reserves, and documentation for qualification. Our cutting-edge mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options to decide which program in best suits your financial needs.

Compare offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Lenoir-City, Loudon, TN

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

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

The goal of Lendersa® is to secure the best USDA or FHA loan for you promptly and without hassle. Start with one of three approaches that connect you with matching lenders and USDA programs.

Lendersa USDA loan request and matching outcomes

What is a USDA Loan in TN?

A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or mortgage. It is only available in rural areas. Unlike FHA loans which require a minimum of 3.5% down payment, a USDA mortgage requires no down payment at all.

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



  • American Mortgage Professionals, LLC
  • 12899 E. 76th St. N, Suite 102, Owasso, OK, 74055
  • American Mortgage Professionals, LLC has over 25 years of mortgage lending experience in Oklahoma as well as throughout the United States. Our team is committed to providing our clients with the highest quality financial services in a fast, efficient manner. Our outstanding mortgage professionals will work.
  • Space Age Tulsa Federal Credit Union
  • 11310 E Pine Street, Tulsa, OK, 74116
  • Space Age Tulsa Federal Credit Union offers complete financial services including saving deposits, CDs, loans, online banking and other convenient services to meet all of your family's financial needs. As a member Space Age Tulsa Federal Credit Union, you can enjoy all the benefits credit union memberships have to offer.
  • Midwest Heritage Bank
  • 3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
  • At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance. We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
  • State Savings Bank
  • 4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
  • The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
  • American Bank of Oklahoma
  • 200 East Main Street, Collinsville, OK, 74021
  • American Bank of Oklahoma exists to provide Oklahoma businesses and citizens with local banking solutions when, where, and how they need it. American Bank of Oklahoma opened for business April 1, 1998, taking seriously the role of a community-based, full-service institution. Our organizers came from the community
  • American Capital Mortgage Inc
  • 439 Main Street, Suite 102, Orange, NJ, 07050
  • American Capital Mortgage Inc. is a Mortgage Broker company for all your Home Mortgage. We achieve excellence and consistently exceed our clients expectations. we can ensure you get the best loan to fit your goals and finances. American Capital Mortgage know the market. We know the process.
  • FIRSTOAK BANK
  • 113 N. Penn Ave, Independence, KS, 67301
  • FirstOak Bank’s mission is to continue to develop and sustain a sound, profitable institution that will generate reasonable returns for its stockholders, be a chosen place of employment, and serve the financial needs of its customer base and the communities it serves. we will exceed your expectations as a friendly.
  • Gemini Funding Corp
  • 322 N Pennsylvania Ave, Independence, KS, 67301
  • Welcome to Gemini Funding Corp., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We know that each customer has specific home loan needs, so we strive to meet those specific needs with a wide array of loan products, investment tools, mortgages