USDA VS FHA in Millington, Shelby County, TN

For 2026, within Millington, part of Shelby county, TN, the USDA loan cap is $336,500, whereas the FHA cap for single-family homes is $472,030.

Use Lendersa®'s USDA loan calculator to compare excellent USDA and FHA rates currently available. Understand the required income, credit score, reserves, and paperwork to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most suitable program in for your financial circumstances.

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2026 Loan Caps and Down Payment Needs in Millington, Shelby County, TN

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Millington, TN

Lendersa®'s aim is to efficiently secure the best USDA or FHA loan without complications. Choose from three starting strategies to align with lenders and USDA loan options.

  1. Comprehensive USDA/FHA loan request optimization
  2. Discover USDA and FHA terms and rates first
  3. Explore the largest USDA lender database
Lendersa USDA loan request and matching results

Understanding USDA Loans in TN

The USDA home loan, backed by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans that require a minimum 3.5% downpayment, USDA loans require none, providing a great opportunity for qualified borrowers.

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