In 2026, the USDA loan ceiling in Newport, located within the county of Cocke, TN, is $336,500, while the FHA cap for a single-family dwelling is $472,030.
Utilize the Lendersa® USDA loan calculator for a comprehensive comparison of today's top USDA versus FHA rates. Determine the required income, creditworthiness, reserves, and documents to qualify. With our state-of-the-art mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in
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| Loan Category | Maximum Loan Value | Initial Payment Required |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to facilitating the acquisition of the best USDA or FHA loan, ensuring efficiency and minimal hassle. Select one of three initial paths that will connect you with compatible lenders and available USDA loan options.
The USDA home loan, endorsed by the U.S. Department of Agriculture—and also known as the USDA rural development loan or USDA mortgage—is exclusively available for rural districts. In stark contrast to FHA loans that require a minimum down payment of 3.5%, the USDA mortgage comes with zero down payment requirements, making it an accessible option for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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