USDA and FHA Pro and Con in Middle-Valley, Hamilton County, TN
In 2026, the USDA loan limit in Middle-Valley, located in Hamilton county of TN, is $285,000, while the FHA limit for a single-family home is $356,362.
To evaluate today's top USDA versus FHA rates, make use of the Lendersa® USDA loan calculator. This tool helps you determine the necessary income, credit, reserves, and documents needed for qualification. Using our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, guiding you in choosing the most suitable program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Middle-Valley, Hamilton, TN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Middle-Valley, TN
The goal of Lendersa® is to secure the best possible USDA or FHA loan quickly and easily. Select one of three starting points that lead to matching lenders and suitable USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government's Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans which necessitate a minimum 3.5% down payment, USDA loans require none, making them an ideal choice for rural homebuyers.
We are committed to advancing financial peace of mind within our community by offering products and services our members need, when they need them. We also strive to educate our members and our community as a whole to equip them with the knowledge they need to achieve financial peace of mind.
Healthcare Services Credit Union was originally chartered on March 25, 1952 under the name of Erlanger Hospital Credit Union. The purpose of the Credit Union was to provide a safe place for the employees of Erlanger Hospital to save and borrow. Now under the name of HEALTHCARE SERVICES CREDIT UNION, we serve over 4675 members.
Citizens was opened by local citizens in 1917 to serve the loan needs of people who have limited access to bank credit. Citizens primarily makes secured and unsecured loans to individuals with less than perfect credit or collateral for personal, family or household purposes Automobiles and personal property are all acceptable as collateral.
Memorial Credit Union is committed to providing financial benefits which are recognized by its members as offering value. The Credit Union will promote savings, provide valued and expanding financial services, and encourage financial stability within the community, while operating in a sound financial manner.
Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.
Since its founding in 1986, Mortgage South has helped more than 8, 000 homeowners across Tennessee and North Georgia finance their new homes. Locally owned and operated, the firm prides itself on the reliability and accuracy of its loans. Mortgage South is also the leading originator of reverse mortgages in Tennessee,
HomeRate Mortgage of Tennessee saves local home owners money. Ben Phillips is the voice of HomeRate Mortgage and he helps Eric Bradshaw manage the success of hundreds of clients mortgage closings. When it comes to getting the lowest rate and the quickest mortgage approval you have to depend on the best mortgage professionals.
The credit union began operating on January 1, 1972, with 452 members & $4, 766 in shares. After over 5 decades of service, the credit union’s membership has increased to over 2, 800, with total assets exceeding $10 million. You can do business with the BCBST Employee CU with confidence because of its history of stability, professionalism & growth.
Comtrust FCU is a strong, well capitalized credit union whose member accounts are federally insured to $250, 000 by the National Credit Union Administration, one of the strongest insurance funds in the country. We take pride in assuring our members that their account information is secure, private and protected with up-to-date technology available.
