USDA Vs. FHA Pro and Con comparison in Middle-Valley, Hamilton County, TN
In 2025, 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.
2025 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.
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