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 .

Examine offers from a total of 100 lenders

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.

Results from Lendersa USDA loan requests and matching

Understanding USDA Loans in TN

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.

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



  • Bank of Buffalo
  • 535 Washington Street, Buffalo, NY, 14203
  • CNB Financial Corporation is a leader in providing integrated financial solutions, which create value for both consumers and businesses. These solutions encompass deposit accounts, private banking, real estate, commercial, industrial, residential and consumer loans and lines of credit

  • Hunt Mortgage Corporation
  • 403 Main Street, Suite 210, Buffalo, NY, 14203
  • HUNT Mortgage, we pride ourselves on providing superior customer service and creating satisfied customers. We work hard to satisfy the mortgage needs and exceed the expectations of our customers.

    Our customers save money and close their loans quickly because we employ the most advanced digital technology available."

  • IRS Buffalo Federal Credit Union
  • 130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
  • The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families.

    The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees

  • BUFFALO POLICE FEDERAL CREDIT UNION
  • 68 Court Street, Suite 180, Buffalo, NY, 14202
  • The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services

  • Midwest Mortgage Consultants
  • 600 Soo Lane, Suite 6, Buffalo, MN, 55313
  • At Midwest Mortgage Consultants, 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.

  • The First National Bank of Cokato
  • 365 Broadway Ave S, Cokato, MN, 55321
  • The First National Bank of Cokato (formerly known as Citizens State Bank) opened for business November 2, 1916 with total assets of $970.62. In 1920 a new bank site was purchased and the bank moved into its new quarters in July, 1923. First National Bank has enjoyed the privilege.

  • First Independent Bank
  • 105 South Market Street, Marshall, MN, 56258
  • First Independent Bank provides personal care for each customer while having the expertise and resources of a large bank. With broad experience and the ability to work with more types of financing solutions than many competitors, First Independent Bank is a collaborative group of advocates for businesses and families in Minnesota.

  • Johnson State Bank
  • 106 North Main Street, Johnson, KS, 67855
  • Johnson State Bank and Bank of Ulysses I would like to thank you for taking the time to visit our Internet web page. Our bank strives to meet the needs of our customers and our community. As the Bank and our community enter the age of high-speed communications and convenience we began to see the need for convenient computer based banking services.