In 2026, the maximum USDA loan amount for Oak-Ridge, located in the county of Anderson, TN, is set at $285,000. In contrast, the maximum limit for FHA for a single-family home is $356,362.
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.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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