USDA Vs. FHA your options comparison in Unicoi, Unicoi County, TN
As of 2026, the USDA loan limit in Unicoi, located in the county of Unicoi, TN, is established at $336,500. In contrast, the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to weigh today's top USDA rates against FHA rates and identify the income, credit, reserves, and necessary paperwork required for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, facilitating a decision on the most suitable program in for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Unicoi, County of Unicoi, 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 Choices in Unicoi, TN
Lendersa® aims to secure the best possible USDA or FHA loan for you quickly and without difficulty. Begin with one of three options that link you to matching lenders and relevant USDA loan programs.
A USDA home loan is a mortgage with a government guarantee from the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans that demand a 3.5% down payment as a minimum, USDA loans are unique because they require no down payment.
Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.
2110 West Mountcastle Drive, Johnson City, TN, 37604
Lends in Tennessee
Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.
1102 W. Market St, Suite 20, Johnson City, TN, 37604
Lends in Tennessee
Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender.
Our mission is to provide financial products & services that add superior value to membe
At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
Lends in Tennessee
The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.
112-114 North Sycamore Street, Elizabethton, TN, 37643
Lends in Tennessee
Elizabethton Federal Savings Bank has been serving the communities of Northeast Tennessee and the Tri-Cities since 1937. With branch offices in Carter County, Johnson County and Washington County, Tennessee, we provide our customers with a complete selection of financial products.
Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators. A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid.
