USDA Vs. FHA Pro and Con comparison in Selmer, McNairy County, TN
In 2026, the USDA loan limit for Selmer, in McNairy County, TN, is $336,500. For single-family homes, the FHA limit is $472,030.
Leverage Lendersa®'s USDA loan calculator to contrast today's prime USDA versus FHA rates and understand the income, credit, reserves, and documentation required to qualify. This advanced mortgage tool presents USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the most suitable option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Selmer, McNairy County, TN
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Selmer, TN
At Lendersa®, our goal is to efficiently secure the best USDA or FHA loan for you, free from hassle. Choose from three pathways to identify matching lenders and relevant USDA loan programs.
A USDA home loan, assured by the Department of Agriculture and known as a USDA rural development loan, is available solely in rural areas. Unlike FHA loans, which require a 3.5% down payment minimum, USDA loans require none.
For over 100 years Home Banking Company's philosophy has been to provide efficient, courteous service and to provide our customers with the most up-to-date, quality financial products available to the banking industry. We are opening new financial doors by offering options that make banking as convenient as possible for our customers.
The Bank offers loans for almost all of your business needs. Our lending professionals are trained to assist you with your financial needs. We strive to tailor all lending to each customer’s needs. There are various financing options available. Please contact a Loan Officer directly to discuss your options.
The Hardin County Bank is a locally owned and operated, growing Financial Services Center dedicated to serving our community since 1973. With offices in Savannah, Adamsville, and Pickwick/Counce, we can provide fast, courteous service, and furnish the most up to date financial products available in the banking industry.
Headquartered in Lexington, Tennessee, we are locally owned and managed. We have three full service branches, two in Lexington and one in Jackson, Tennessee. Community Bank associates are plugged in, serving our communities in just about every volunteer and service organization in our markets.
Decatur County Bank has grown exponentially since opening more than a century ago. In 2010, we established West Tennessee Bank, in order to better serve customers in surrounding counties. In 2018, the Jackson branch of West Tennessee Bank opened on Union University Drive. Because of you, we continue to grow and thrive throughout West Tennessee
Resource Federal Credit Union provides its members with a wide variety of products and services to help meet their day-to-day financial management needs. We are committed to 100% customer satisfaction and are continually broadening our product offering to meet the needs of our members.
Patriot Equity Credit Union is a non-profit cooperative organization created for the purpose of providing financial services to its members. Every member is a shareholder or "owner" of the Credit Union. Founded in 1929, Patriot Equity Credit Union serves the employees and family members of the U.S. Postal Service.
The Bank of Jackson’s successful heritage is built on its commitment to the local community of Jackson and Madison County, local lending decisions and local stockholders and board members. The bank is built on the not so little difference that only a hometown community bank can deliver--personal service.
