USDA VS FHA in Smithville, DeKalb County, TN

In 2025, USDA loan limit in Smithville, county of DeKalb, TN is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Smithville, county of DeKalb, 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 options in Smithville, TN

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Tennessee?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Pioneer Bank
  • 705 East University Avenue, Suite A, Las Cruces, NM, 88001
  • Pioneer Bank has been proudly serving the financial needs of Southeastern New Mexico and West Texas since 1901. We continue to offer the most innovative banking products along with providing you with the best customer service. At Pioneer Bank, we know there is much more to life than managing your money.
  • Citizens Bank of Las Cruces
  • 505 S. Main Street, Las Cruces, NM, 88001
  • Citizens Bank opened its doors in the historic Amador Hotel & adopted the “El Cortijo” as its symbol. This symbol depicts the sun radiating to neighboring communities surrounding the central area of trade. The Bank’s founders chose the symbol because they viewed the responsibility of the bank as being the heart of the community.
  • White Sands Federal Credit Union
  • 2755 North Main Street, Las Cruces, NM, 88001
  • White Sands Federal Credit Union is a member-owned, not for profit financial cooperative committed to the financial well-being of its members. White Sands Federal Credit Union was chartered in 1952 and has offices in El Paso, Texas, Las Cruces, Truth or Consequences and White Sands Missile Range, New Mexico.
  • Bank of the San Juans
  • 144 E. Eighth St, Durango, CO, 81301
  • Bank of the San Juans began in 1998 as a start-up with Durango community investors. Over the ensuing two decades, the bank has grown into a robust organization across Colorado, with 20 locations in 14 communities and 200+ employees. In 2008, the bank joined the Glacier family of banks and operates.
  • Sinberg Capital Lending
  • 1099 Main Ave, Suite 300, Durango, CO, 81301
  • At Sinberg Capital Lending we understand the needs and goals of each of our clients. We work directly with clients and real estate professionals to provide comprehensive mortgage solutions for today’s real estate markets. Established in 2007, Sinberg Capital Lending offers a complete portfolio of loan products at highly competitive rates.
  • ANIMAS MOUNTAIN MORTGAGE INC.
  • 900 Main Avenue, Suite 200, Durango, CO, 81301
  • Animas Mountain Mortgage is a trusted local mortgage company. For 20+ years, the founder Peter Pritchard has been bringing people’s dream of homeownership to life while providing local, in-house processing and underwriting on every individual loan. Peter has closed thousands of loans throughout his career,
  • Bank of Commerce
  • 221 3rd Street, Rawlins, WY, 82301
  • Bank of Commerce is committed to our community. Our mission is simply to “Be A Better Bank”. This means that we will not only work in our community, but we are proud to be actively involved in and around our community to make it a better place for all of us to live, work, and play.
  • San Juan Mountains Credit Union
  • 1400 E. Main Street, Montrose, CO, 81401
  • Our Mission is TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF "PEOPLE HELPING PEOPLE". San Juan Mountains Credit Union welcomes all people to become a member, not just another account number like at other financial institutions.
  • NuVista Federal Credit Union
  • 2711 Commercial Way, Montrose, CO, 81401
  • NuVista Federal Credit Union which was originally Montrose Federal Credit Union was established in 1964. It was built on honesty, integrity & self worth.We hold that same foundation today.When first opened the credit union was for federal employees only. Times have changed & we know now that the support of the community as a whole is what helps us.