In 2026, 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.
2026 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.
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.
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The Owingsville Banking Company has a long and interesting history, but perhaps as interesting as the bank itself, is the building in which it resides. Since its charter in May of 1893, it has been housed in the "Owings House", a Federal-style dwelling constructed from 1811 to 1814.
