USDA Vs. FHA Pro and Con comparison in Union-City, Obion County, TN
In 2026, the USDA loan limit in Union-City, Obion county, TN, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Take advantage of the Lendersa® USDA loan calculator to assess today's top USDA vs. FHA rates. This invaluable tool helps you determine the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, guiding your decision on the most suitable program in for your distinct financial situation.
2026 Loan Limits and Downpayment Requirements in Union-City, Obion, TN
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Union-City, TN
Lendersa® aims to ensure you secure the best USDA or FHA loan quickly and without hassle. Start by choosing one of three initial pathways to connect with lenders and USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture, also called a USDA rural development loan or mortgage, is designed for rural areas only. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage does not require any down payment, making it a more accessible option for rural home buyers.
Central Kentucky Agricultural Credit Association is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, Livestock and production and rural home mortgages. Ag Credit serves the 17 counties of central Kentucky with seven branch locations. Ag Credit is part of the national Farm Credit System.
Jim Mischner is a "private mortgage" lender. He loans his own money to real estate investors who either are purchasing non-owner occupied properties or are refinancing the non-owner occupied properties they already own. These properties include commercial, multi-family and all rental properties. Lending $20, 000 - $4, 000, 000 and CLOSE IN 10 DAYS!
KUE Federal Credit Union has been open since 1976. It's the 25th largest credit union in Kentucky with assets totaling $55.24 Million and providing banking services to more than 3,000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
Central Bank traces its roots back to 1938, when the Southern Industrial Loan Company was founded. Soon after that, the name was changed to Central Exchange Bank. In 1946, Garvice D. Kincaid purchased Central Exchange Bank and shortened the name to Central Bank.
We’ve grown significantly from our humble beginnings at the corner of Short
We offer loan services in Lexington while providing mortgage industry expertise in their next purchase or refinance. Our loan services include residential and commercial loans. Whether you're looking to buy a new home or car, purchase commercial property, buy farmland or farm equipment, you can get started with The Home Savings and Loan Company.
SouthEast Bank has become a premiere financial institution in Tennessee by delivering exceptional quality service, & innovative Banking products to its clients. Our experienced staff diligently serves our communities with integrity and a sense of pride by offering exceptional service & value to not only our customers, but the community as a whole.
Peoples Bank of the South Founded in 1917,The Bank was founded on the same corner on which it now stands. It was not founded as a result of a planned course of action by a large group of bankers or financiers. Quite to the contrary, this bank is a result of a vision shared by two men of high character.
Our Credit Union is membership owned and a nonprofit financial institution. We are a controlled institution based on "people helping people" principles. We offer an array of account options including checking, savings, loans, and CDs. Providing affordable financial services, lower interest rates, and helping you save money is what we do best.
Heritage South Credit Union is a full service financial institution with locations in Sylacauga, Childersburg, and Moody, Alabama. We offer a full line of Savings, Checking, Loans, Credit Cards, Certificates, IRAs, and much more! Check out our website for the full line of products we offer.
First State Bank of Bloomington is unique because we’re 100% employee-owned. If that sounds uncommon, it’s because our ownership structure is extremely rare. In fact, industry analysts have estimated that fewer than 10 banks across the country have a similar structure to ours.We have the attitude & the commitment to make you financially successful.
Established in 1940, Mid-Illini Credit Union evolved from a handful of employee credit unions that joined together to provide top-rate financial services to thousands of local residents. We’re now over 7, 000 members strong and growing…
MICU is a not-for-profit, member-owned financial cooperative, not a corporation
