USDA Vs. FHA Pro and Con comparison in Oak-Ridge, Anderson County, TN
In 2025, the maximum USDA loan amount for {CITY}}, located in the county of {COUNTY}}, {STATE}}, is set at {DETAILS_LOAN_LIMIT_USDA_1_4}}. In contrast, the maximum limit for FHA for a single-family home is {DETAILS_LOAN_LIMIT_FHA1}}.
Employ the Lendersa® USDA loan calculator to evaluate today's USDA against FHA top rates. This will also help establish the necessary income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing which program is optimal for your financial scenario in Alabama.
2025 Loan Limits and Down Payment Requirements in {CITY}}, County of {COUNTY}}, {STATE}}
Loan Type
Loan Limit
Down Payment
USDA
{DETAILS_LOAN_LIMIT_USDA_1_4}}
0%
FHA
{DETAILS_LOAN_LIMIT_FHA1}}
3.5%
Conventional Conforming
{DETAILS_LOAN_LIMIT_CONVENTIONAL1}}
3%
USDA and FHA Loan Alternatives in {CITY}}, {STATE}}
Lendersa® aims to swiftly secure the most favorable USDA or FHA loan for you with minimum effort. Choose from three starting points that connect you with suitable lenders and USDA loan plans.
A USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is secured by the U.S. Department of Agriculture and is accessible only in rural localities. Unlike FHA loans that mandate a minimum down payment of 3.5%, the USDA mortgage requires zero down payment, representing a significant advantage.
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Commercial Savings Bank is a locally-owned community bank that has been serving the financial needs of Carroll County residents for over 100 years. The bank was founded in 1917 with capital of $25, 000 and three employees. The local ownership and management continue to be the foundation of the bank's strength and define its unique character.
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