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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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