USDA Vs. FHA Pro and Con comparison in Oak-Grove, Washington County, TN
In 2026, the USDA loan ceiling for Oak-Grove in Washington County, TN, is $285,000. For a single-family home, the FHA limit is $356,362.
Use the Lendersa® USDA loan calculator to compare the top USDA against FHA rates available today, and identify the income, credit, reserves, and documents required for qualification. This advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA loans, assisting you in selecting the program that best fits your financial situation in .
2026 Loan Limits and Down Payment Requirements in Oak-Grove, Washington County, TN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Oak-Grove, TN
Lendersa® is dedicated to promptly securing the optimal USDA or FHA loan for you, without hassle. Choose one of three starting points to connect with lenders and suitable USDA loan programs.
A USDA home loan, insured by the Department of Agriculture, often called a USDA rural development loan, is exclusive to rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require none.
5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
Lends in Tennessee
The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.
2110 West Mountcastle Drive, Johnson City, TN, 37604
Lends in Tennessee
Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.
1102 W. Market St, Suite 20, Johnson City, TN, 37604
Lends in Tennessee
Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender.
Our mission is to provide financial products & services that add superior value to membe
At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.
Horizon Credit Union is a member-owned financial institution in which its members can deposit and borrow money at better rates. They also have a voice in the operations via the election of a Board of Directors. The Board of Directors’ responsibility is to govern the direction of the credit union in regards to investments, loan and service products.
Our mission is to provide an uncompromising customer experience, featuring just-right-for-you products, delivered in the most modern channels, and powered by a talented team of friendly and knowledgeable people who go above and beyond to deliver touches that people don’t expect from a Bank.
