USDA Vs. FHA Pro and Con comparison in Shelbyville, Bedford County, TN
In 2026, the USDA loan limit in Shelbyville, Bedford, TN is $336,500, while the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to weigh the best USDA against FHA rates available today, and identify the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, helping you find the best program for your financial situation in Alabama.
2026 Loan Limits and Downpayment Requirements in Shelbyville, Bedford, 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 Alternatives in Shelbyville, TN
Lendersa® aims to secure the best USDA or FHA loan for you with ease and speed. Choose one of three paths resulting in matched lenders and USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and available solely in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage demands no down payment.
We are a direct lender and are approved as a seller and servicer by the Federal National Mortgage Association (Fannie Mae) and the Government National Mortgage Association (Ginnie Mae). We operate as a Federal Housing Administration (FHA) Direct Endorsement Lender and a Veterans Administration (VA) authorized underwriter.
White Oak Financial to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and your financial goals. At White Oak Financial, we understand that people buy homes for different reasons.
Commercial Loan Direct (CLD Capital) is a correspondent and an mortgage banker. Commercial Loan Direct has partnered with institutional investors, Fannie Mae, Freddie Mac, FHA, SBA, USDA, life insurance companies, banks and real estate investment trusts to bring you a wide selection of additional financing vehicles.
AMPOT Federal Credit Union was founded as a credit union for American Potash employees and their immediate families, June 30, 1969. We have served these families since that time and we have remained a strong, secure credit union throughout the years. Since our beginning, American Potash has changed names to Kerr McGee Chemical and now it is Tronox.
Independence Bank sought to create a banking revolution. Shortly after appointing the Bank’s current CEO in 1991, Independence Bank arrived at a flashpoint in this mission. It was a time when financial multinationals marched through communities annexing smaller banks. Centralized, “big bank” practices became the norm.
We are all about the family, and where do we spend our family time, in the home. The American Dream of owning your own home is alive and WELL at Clinton Bank.We provide fixed and variable rate products in maturities up to 30 years. We have products that we service ourselves and those we sell into the secondary market.
At First Community Bank, our roots run deep. Starting in 1936 as First National Bank in Clinton, KY, we formed strong ties to this small town along with many of the neighboring communities. The sound relationships that were formed in those early developmental years continue to be an important part of our success.
1445 Woodmont Lane Northwest #2204, Atlanta, GA, 30318
Cornerstone Business Capital
Business financing
Cornerstone Business Capital empowers small businesses with fast, flexible funding solutions that keep cash flow strong and growth on track. Get growth capital with a straightforward process and supportive guidance. Call 404-476-1287 or visit cornerstonebusinesscapital.com for all lending products available.
Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.
