USDA Vs. FHA Pro and Con comparison in Memphis, Shelby County, TN
In 2025, the USDA loan limit in Memphis, located in Shelby county, TN, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, figuring out the income, credit, reserves, and documents required for qualification. The advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you determine the best fit for your financial circumstances in .
2025 Loan Limits and Downpayment Details in Memphis, County of Shelby, 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 Memphis, TN
Lendersa® aims to efficiently secure for you the best USDA or FHA loan quickly and without hassle. Choose one of three starting pathways that align you with suitable lenders and USDA loan programs.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture. These loans are uniquely available in rural areas, requiring no down payment, unlike FHA loans which require at least a 3.5% down payment.
"Vision Mortgage Company, Ltd. offers a wide array of loan products ranging from the traditional residential & commercial funding to private portfolio alternative loan sources and non-QM financing.
Residential loans include new construction financing for primary residences, commercial businesses, as well as equipment and credit line sources."
Proactive Commercial Lending Group, LLC was formed back in 2003 by Bruce Myles with the thought that many good, hard working business owners were not getting the Banking Services they needed to survive, maintain and grow their business.We are able to apply more more relaxed credit and property restrictions.
8000 IH-10 WEST, Suite 600, San Antonio, TX, 78230
"Pinnacle Mortgage & Lending's core values include conducting business with sincerity, truth, and
fairness. We serve a wide range of homebuyers with a variety of loan products and services. At Pinnacle Mortgage & Lending our goal is to help make the loan process stress free by empowering you."
BLC Community Bank is a strong, independent community bank, locally owned and dedicated to our customers and the communities we serve. We have a genuine desire to meet all of your banking needs and are diligent in our efforts to provide the latest in banking services with a friendly and personal, home-town touch.
Bank Midwest can help you manage your business with accounts and services designed for commercial banking. We also offer real estate financing, commercial insurance protection or group retirement plans or trust and estate services and also Bank Midwest provides a complete portfolio of financial services to businesses.
Lending Company, L.L.C. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
We are Texans and focus all of our energy on helping fellow Texans who may be struggling to keep their homes. Mi Casa grew out of our law practice, The Law Offices of Ed Goldner, and will continually operate as a closely held limited liability company.
Our office is centrally located in San Antonio at 1616 San Pedro Avenue
We offer full service loan servicing for private investors. We can service a single loan or a complete portfolio. Assisting small investors is our passion, whether it be whole loans, partial loans, wraps or land loans. We offer easy setup and timely disbursements of investor funds and escrow payments for taxes and insurance.
