USDA VS FHA in Monterey, Putnam County, TN

In 2025, USDA loan limit in Monterey, county of Putnam, TN is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Monterey, county of Putnam, 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 Monterey, TN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Tennessee?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • ProBuilder Financial LLC
  • 396 Washington Street Suite 225, Wellesley Hills, MA, 02481
  • ProBuilder Financial is the hard money lender of choice for professional real estate developers, builders, and investors in New England. ProBuilder Financial provides friendly, personalized service, unsurpassed responsiveness, deep industry knowledge, and immediate access to funds for short and intermediate term commercial loans. At ProBuilder Fina
  • Boston Mortgage Solutions, LLC
  • 1237R Highland Ave, Needham, MA, 02492
  • Boston Mortgage Solutions, LLC specializes in residential and commercial real estate mortgages. We are licensed in MA (NMLS MB2403) and NH (NMLS 12978-MBR) and we make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
  • First Citizens' Federal Credit Union
  • 200 Mill Road, Suite 100, Fairhaven, MA, 02719
  • First Citizens’ Federal Credit Union was originally named Bristol Credit Union and was organized as a State Chartered Credit Union on November 17, 1937, to serve employees and residents of Bristol County, Massachusetts. Our name was changed to Citizens’ Credit Union when we expanded our operating field of membership to include Bristol, etc
  • Alltrust Credit Union
  • 123 Alden Road, Fairhaven, MA, 02719
  • We got our start in 1922, during the early days of America’s credit union movement as a telephone workers credit union. Since then, we’ve earned the trust of thousands of members in Massachusetts and Rhode Island by offering long-term dependability, sound advice, great local service,
  • Best Rate Mortgage LLC
  • 28 Broadway Street, Westford, MA, 01886
  • Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
  • Northstar Mortgage Corp
  • 555 High St, Suite 302, Westwood, MA, 02090
  • We have been helping our clients finance their homes in the Commonwealth of Massachusetts since 1990. Our value proposition is simple: we take the time to understand your needs and provide personal service you can rely on. Buyer’s agents love working with us because we don’t just pull a credit report like so many big banks often do.
  • Acushnet Federal Credit Union
  • 112 Main Street, Acushnet, MA, 02743
  • Acushnet Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the AFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
  • Blue Sky Mortgage Company
  • 2700 Hunter Rd, Suite B, San Marcos, TX, 78666
  • Blue Sky Mortgage Company our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.