USDA and FHA Pro and Con in Paris, Henry County, TN

In 2025, within Paris in the county of Henry, TN, the USDA loan threshold is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans to help you select the most suitable program in for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Paris, Henry County, TN

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Paris, TN

Lendersa® aims to help you secure the best USDA or FHA loan quickly and efficiently. Choose from three starting approaches to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in TN

The USDA home loan, backed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is restricted to rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment, offering significant accessibility to eligible borrowers.

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



  • Propel Home Loans LLC
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  • We don’t just pitch rates. That doesn’t take any skill. Sure, we have some of the best rates available in the market, but that doesn’t mean that a particular lender or interest rate is right for you and your goals. We believe that our professional responsibility is to help you manage your mortgage debt over your lifetime.
  • SharePoint Credit Union
  • 5300 Hyland Greens Drive, Bloomington, MN, 55437
  • SharePoint is committed to serving the financial needs of its members through quality financial products & a strong community presence. SharePoint is leading the way in service & products for our members. We strive to give our members the service they deserve, while enhancing their financial well-being. Our personal service, competitive rates.
  • REID Lending Partners
  • 11810 Grand Park Avenue,, North Bethesda, MD, 20852
  • REID Lending Partners is one of the Mid-Atlantic's premier private mortgage lender and Investment management firm providing small balance commercial loan solutions to real estate investors and property owners, all while generating competitive returns for its partners and investors.
  • TopOne Mortgage
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  • TopOne Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • FitzGerald Financial Group
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  • FitzGerald Financial Group is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. FitzGerald Financial Group is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to
  • Lafayette Federal Credit Union
  • 2701 Tower Oaks Blvd, Rockville, MD, 20852
  • Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions.
  • America Trust Funding
  • 5912 Hubbard Dr, Rockville, MD, 20852
  • At America Trust Funding, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
  • BMIC Mortgage Inc
  • 5640 Nicholson Lane, Suite 210, Rockville, MD, 20852
  • BMIC has a customized process that is simple and straightforward, allowing us to complete a loan application in a matter of minutes. We will have a loan decision for our clients within an hour. At that time, BMIC will issue a formal loan approval.BMIC recognizes that each circumstance is unique