USDA Vs. FHA Pro and Con comparison 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.
Fahe Loan Servicing emphasizes quality customer care and personalized account management on the mortgages we service for Fahe, its partners, and our borrowers. By utilizing our experienced team, smaller nonprofits are able to keep overhead low. For Members whose primary function does not involve financials,
Planters Bank is a growing community bank with 12 offices in Western Kentucky & Clarksville, Tennessee. Headquartered in Hopkinsville, KY, Planters is a full-service bank with a wide array of both consumer & commercial lending and deposit services. A tradition of excellence in customer service is the reason you can Expect Great Things.
Dreamfield Lending is a veteran-owned mortgage broker located in Hopkinsville, KY and serving the surrounding areas. We have several years experience in our office helping families navigate through the mortgage loan process and pride ourselves on creating a good experience with a tailored mortgage loan based on the individual's needs.
We have 3800 members and approximately $14 million in assets. The credit union was founded in 1961 and originally served Lee County Hospital employees. Since then, Lee County Hospital has been renamed East Alabama Medical Center & is still a major sponsor group. EAC Federal Credit Union has expanded to include the following select employee groups.
Our mission is to provide an uncompromising customer experience, featuring just-right-for-you products, delivered in the most modern channels, and powered by a talented team of friendly and knowledgeable people who go above and beyond to deliver touches that people don’t expect from a Bank.
1664 E. Stone Drive, Suite D, Kingsport, TN, 37660
Tricities Mortgage Group is your #1 Local Mortgage Lending Source. We have been in the Mortgage Business since 1981 and lend in all of Tennessee and Florida. First time Home Buyers or Seasoned Real Estate Owners/Investors. We offer just about any type of Mortgage Financing you may require including Conventional, Non-conventional Jumbo, FHA and VA.
Founded in 1934, ECU is a not-for-profit, financial services cooperative with over $4 billion in assets. ECU serves over 200, 000 members through 25 branches located in Northeast Tennessee, Southwest Virginia, and Harrison and Gregg Counties in East Texas. Credit Union members have access to more than 50, 000 free ATMs nationwide.
The Peoples Bank of Georgia is a full service, locally owned bank in Talbotton, Georgia with branches in Ellaville, Buena Vista and Thomaston, Georgia. In Talbotton, a small town 35 miles northeast of Columbus, the scene has not changed much over the years. This is still the sort of place where every customer's family history is intimate knowledge.
5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.
