USDA Vs. FHA Pro and Con comparison in Waverly, Humphreys County, TN
In 2026, the USDA loan limit in Waverly, which is part of Humphreys County, TN, stands at $336,500. The FHA limit for a single-family home is $472,030.
Make use of the Lendersa® USDA loan calculator to compare today's USDA against FHA rates, and determine the income, credit, reserves, and documents required to qualify. This advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, helping you select the most suitable option for your financial situation in .
2026 Loan Limits and Down Payment Guidelines in Waverly, Humphreys County, 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 Waverly, TN
Lendersa® is committed to finding the best USDA or FHA loan quickly and without hassle. Choose from one of three paths to connect with lenders and explore USDA loan programs.
A USDA home loan, insured by the Department of Agriculture, is also known as a USDA rural development loan. It's available exclusively in rural areas and requires no down payment, unlike FHA loans which require at least a 3.5% down payment.
Lakeside Employees Credit Union has been open since 1991. The credit union has assets totaling $42.43 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
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