USDA Loan Vs. FHA loan for South-Cleveland, TN [Bradley County ]

In 2026, the USDA loan cap in South-Cleveland, County of Bradley, TN, is $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to effectively compare today's USDA versus FHA rates and ascertain the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows for side-by-side views of USDA, FHA, Conforming, and VA options, helping you identify the optimal program in for your financial situation.

Exploring USDA and FHA Loan Programs in South-Cleveland, TN

The mission of Lendersa® is to swiftly secure the best USDA or FHA loan for you without hassle. Begin with one of three initial steps to connect with matching lenders and relevant USDA loan options.

Lendersa USDA loan request and match results

Understanding USDA Loans in TN

A USDA home loan, backed by the government and provided by the Department of Agriculture, is also known as a USDA rural development loan. It is specifically available in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans have a no down payment requirement, offering key advantages to eligible buyers.

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South-Cleveland Lenders
(423) 559-1181 Lender's profile and map Smart Choice Credit Union 1075 Blythe Avenue SE, Cleveland, TN, 37311 Lends in Tennessee Our mission is to offer financial services to members of our community with an emphasis on asset development and the achievement of long-term financial security. We specifically will strive to develop relationships with persons who previously have had no interaction with existing financial institutions.
(423) 479-2168 Lender's profile and map Pathway Credit Union 2751 Ralph Buckner Boulevard NE, Cleveland, TN, 37311 Lends in Tennessee Pathway CU was established as a financial institution to meet the growing needs of the Church of God entities. Each member of the credit union is part owner of the organization. Members in good standing are privileged to vote for the Board of Directors.Each year financial gains are returned to the members in the form of dividends or other benefits.
(423) 479-6392 Lender's profile and map Cleveland/Bradley County Teachers Federal Credit Union 420 Central Avenue NW, Cleveland, TN, 37311 Lends in Tennessee We are committed to helping members enhance their financial status by providing needed financial products and services while operating in a sound financial manner. Since 1961, the Cleveland Bradley County Teachers Federal Credit Union has served the Cleveland & Bradley County areas in order to assist local teachers and their family members.
(423) 478-5656 Lender's profile and map Bank of Cleveland 75 Bobby Taylor Ave, Cleveland, TN, 37311 Lends in Tennessee Bank of Cleveland opened its doors on May 8, 1987 in a mobile facility on Keith Street. Back in 1987, the era of bank mergers was underway and Bank of Cleveland was established to provide Bradley County a true, locally owned and operated community bank. main bank office buildingToday, Bank of Cleveland is the only locally owned
(423) 339-8086 Lender's profile and map Home Mortgage Solutions LLC 31 Mouse Creek Rd Nw, Cleveland, TN, 37312 Lends in Tennessee Home Mortgage Solutions LLC offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Residential investment property FHA loans on double-wide Manufactured Homes with land on a permanent foundation built after 1976. Conventional loans with min. 5% down on double-wide Manufactured.
(423) 313-3218 Lender's profile and map USA Mortgage, Inc. 4035 Keith St NW, Cleveland, TN, 37312 Lends in Tennessee USA Mortgage is passionate about the mortgage lending process. We desire to exceed the expectations of our customers by holding their hand through the lending process and earning a lifetime friendship, not just a business relationship. The most valuable item to USA Mortgage is a return customer
(423) 336-4331 Lender's profile and map OMC Employees Credit Union 1186 Old Lower River Road NW, Charleston, TN, 37310 Lends in Tennessee O.M.C. Employees Credit Union has been open since 1992. New member eligibility requires that the person be a permanent employee of Olin Corporation, Solenis, or the OMC Employees Credit Union. A member’s spouse, spouse’s parents, children, children’s spouse, siblings, parents, and grandchildren* are all eligible for membership.
(423) 855-1770 Lender's profile and map Memorial Credit Union 6800 Longview Road, Chattanooga, TN, 37421 Lends in Tennessee Memorial Credit Union is committed to providing financial benefits which are recognized by its members as offering value. The Credit Union will promote savings, provide valued and expanding financial services, and encourage financial stability within the community, while operating in a sound financial manner.
(423) 892-3738 Lender's profile and map Chattanooga Federal Employees Credit Union 2011 Stein Drive, Chattanooga, TN, 37421 Lends in Tennessee Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution that exists to serve its members. Being a member of the credit union is the smart way to manage your finances. We have a complete line of financial products and services to meet your needs.