USDA Vs. FHA Pro and Con comparison in Portland, Sumner County, TN
For 2026, the USDA loan limit in Portland, within Sumner, TN, is $555,600, while the FHA cap for a single-family home is $890,100.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates, determining necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator gives you a side-by-side view of USDA, FHA, Conforming, and VA options, helping you select the optimal program for your financial situation in Alabama.
2026 Loan Limits and Downpayment Requirements in Portland, Sumner, TN
Loan Type
Loan Limit
Down Payment
USDA
$555,600
0%
FHA
$890,100
3.5%
Conventional Conforming
$890,100
3%
USDA and FHA Loan Options in Portland, TN
The goal at Lendersa® is to obtain the best possible USDA or FHA loan for you quickly and without hassle. Choose from three starting points to connect with lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages need no down payment.
Since 1977, Volunteer State Bank has been proud to bring an enriching banking experience to the people of Middle Tennessee. Since day one, we've been committed to providing personalized service, on top of value-added products offering to help our customers reach their life goals.
Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.
At Tri-Star Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available
The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.
For over 20 years, Elderlife has helped thousands of families transition loved ones into senior living. Typically families are focused on mom or dad’s health and selecting the best community based on their needs, leaving the financial aspect as an afterthought. We are here to help you create a plan to pay for senior living.
The Credit Union for Robertson County was chartered in 1968 by employees of the Jesse Holman Jones Hospital. At that time, it was known as Jesse Holman Jones Hospital Employees Credit Union. In 1983, the membership expanded to include health-related employees and County and City employees.
The Mortgage Guy, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
