USDA and FHA Pro and Con in Lexington, Henderson County, TN
In 2026, the USDA loan limit in Lexington, located in Henderson county of TN, is $336,500, while the FHA cap for a single-family home reaches $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and identify the income, credit, reserves, and documentation necessary for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you choose the best one for your financial needs in .
2026 Loan Limits and Downpayment Specifications in Lexington, Henderson, TN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Lexington, TN
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan without hassle. Select a starting point to connect with matching lenders and USDA programs.
A USDA home loan, backed by the U.S. Department of Agriculture, often called a USDA rural development loan, is exclusively for rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans eliminate this requirement, offering no down payment for qualifying candidates.
Headquartered in Lexington, Tennessee, we are locally owned and managed. We have three full service branches, two in Lexington and one in Jackson, Tennessee. Community Bank associates are plugged in, serving our communities in just about every volunteer and service organization in our markets.
Decatur County Bank has grown exponentially since opening more than a century ago. In 2010, we established West Tennessee Bank, in order to better serve customers in surrounding counties. In 2018, the Jackson branch of West Tennessee Bank opened on Union University Drive. Because of you, we continue to grow and thrive throughout West Tennessee
Resource Federal Credit Union provides its members with a wide variety of products and services to help meet their day-to-day financial management needs. We are committed to 100% customer satisfaction and are continually broadening our product offering to meet the needs of our members.
Patriot Equity Credit Union is a non-profit cooperative organization created for the purpose of providing financial services to its members. Every member is a shareholder or "owner" of the Credit Union. Founded in 1929, Patriot Equity Credit Union serves the employees and family members of the U.S. Postal Service.
The Bank of Jackson’s successful heritage is built on its commitment to the local community of Jackson and Madison County, local lending decisions and local stockholders and board members. The bank is built on the not so little difference that only a hometown community bank can deliver--personal service.
"Leaders Credit Union has been serving the West Tennessee community for over 60 years with premium financial services. We build on that heritage today by providing the lowest cost offerings with top-level member service, and maintaining the safety and soundness of our credit union. We are a full-line financial services provider.
The Bank Of Milan is a branch office of The Bank Of Milan. They provide the following services: Full Service Office Location and are located at 2011 East Van Hook Street in Milan Tennessee. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number, online banking website
Community banks have earned the trust of generations through years of service and connection. At Citizens Bank & Trust, we want to continue building that trust by empowering the people and businesses in our community to reach their financial goals. Citizens Bank & trust is the link between local bank service and big-bank convenience.
The Bank of Perry County was founded in 1905. With the motto of “The Bank on the Go, ” we have provided fast and courteous service to our customers. With three convenient locations in Perry and Lewis County, the employees at the Bank of Perry County have been committed to getting to know their customers on a personal level and providing them with e
