USDA VS FHA in Nashville, Davidson County, TN

In 2026, the USDA loan limit for Nashville in Davidson county, TN, is set at $555,600. Meanwhile, the FHA limit for a single-family home is $890,100.

Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, identifying what income, credit, reserves, and documentation are necessary for qualification. This advanced tool enables a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in selecting the best option for your financial needs in .

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Overview of 2026 Loan Limits and Downpayment Info in Nashville, Davidson, TN

Loan Type Loan Limit Down Payment
USDA $555,600 0%
FHA $890,100 3.5%
Conventional Conforming $890,100 3%

Exploring USDA and FHA Loan Options in Nashville, TN

Lendersa® aims to efficiently secure you the best USDA or FHA loan swiftly and without hassle. Choose one of the starting options that align you with matching lenders and USDA loan programs.

Lendersa USDA loan inquiry and matching results

Understanding What a USDA Loan is in TN

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available strictly in rural areas. These loans require no down payment, unlike FHA loans needing at least 3.5% down.

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



  • Renasant Bank
  • 209 Troy Street, Tupelo, MS, 38804
  • Our vision is to be the financial services advisor and provider of choice in each community we serve. Our Mission is to To provide quality financial services and advice by: Understanding, then meeting the needs of our customers, Creating security and opportunity for our employees, Being good citizens in our communities.

  • Autotruck Financial Credit Union
  • 7651 Jefferson Green Way, Louisville, KY, 40219
  • Autotruck Financial Credit Union was chartered in the State of Kentucky on June 13, 1961 as a not for profit cooperative to serve the employees of the Ford Motor Company. In 1965, the Credit Union was granted a Federal Charter & operated under Federal Law until 2011. On November 8 2011 the State of Kentucky issued the Credit Union a state charter.

  • Class Act Federal Credit Union
  • 3620 Fern Valley Rd, Louisville, KY, 40219
  • Class Act Federal Credit Union was established by a small group of JCPS teachers in 1954 to serve the personal finance needs of JCPS teachers and other school employees. At that time, teachers had very limited access to loans or credit of any kind. The credit union filled this need and did so at very competitive rates.

  • Home Federal Bank of Tennessee
  • 515 Market Street, Knoxville, TN, 37902
  • A full-service banking institution based in Knoxville since 1924, Home Federal Bank offers a complete line of personal, home, business and commercial banking services. From mortgage and consumer loans, checking and savings plans and accounts, personal and business trusts and investment planning—to retail services, ATM/Debit cards, credit cards

  • 21st Insurance Agency
  • 620 Market Street, Suite 100, Knoxville, TN, 37902
  • 21st Insurance Agency we care about your future. Over the last 20 years our agents have been helping people like you gain peace of mind. Our knowledgeable agents take the time to consult with you on your personal or business insurance needs. We want you to count on us for quality service. Contact one of our experienced agents

  • Knoxville TVA Employees Credit Union
  • PO Box 36027, Knoxville, TN, 37930
  • Knoxville TVA Employees Credit Union was established in 1934 to provide services for a growing community of TVA employees. The Credit Union now has 20 locations throughout East Tennessee and serves more than 180, 000 members. Credit Union services are available to anyone who lives, works, worships.

  • UT Federal Credit Union
  • PO Box 51848, Knoxville, TN, 37950
  • UT Federal Credit Union is a member-owned, and community chartered, financial cooperative. While UTFCU is a full-service financial institution, it also strives to fulfill the credit union philosophy of People Helping People in everything it does. The heart of UTFCU has always been, and will always be, the members and communities it serves

  • Fountain City Finance
  • 5319 N Broadway St, Knoxville, TN, 37918
  • Fountain City Finance has been providing financial services to hundreds of satisfied East Tennessee residents since 1991. We maintain a local, hometown approach while providing first-class customer service for our clients. Our professionalism along with our choice of products will leave you with an outstanding customer experience

  • Knoxville Teachers Federal Credit Union
  • 711 N Hall of Fame Drive, Knoxville, TN, 37917
  • During the deepest months of the Great Depression, in February of 1932, seven Knoxville City Schools teachers each decided to pool their resources to start a credit union and deposited $5 into it. The purpose of the credit union was to provide a resource for teachers to call on in times of need.

  • The First National Bank of Carmi
  • 201 E Main St, Carmi, IL, 62821
  • First Bank, an entity of Southern Illinois Bancorp, Inc. headquartered in Carmi, Illinois, has been serving businesses and families in Southeast Illinois and Southwest Indiana since 1893. We represent a return to the old-fashioned way of banking, where the staff knew everyone by name and treated you like a person instead of a number.

  • LHome
  • 1126 Berry Blvd, Louisville, KY, 40215
  • LHOME combats historic redlining and institutional racism by providing access to low-interest loans and financial coaching services. These services are greatly needed, primarily by African American low-income residents of West Louisville who want to grow their small businesses, increase their credit scores,

  • Knoxville Law Enforcement Federal Credit Union
  • 501 E Summit Hill Drive, Knoxville, TN, 37915
  • Knoxville Law Enforcement Federal Credit Union is a member-owned, not-for-profit financial services cooperative. Our mission is to effectively and efficiently operate as a financial cooperative; to promote participation by all those within the defined membership; to encourage savings and provide competitive credit.