USDA and FHA Pro and Con in Winchester, Franklin County, TN

As of 2025, the USDA loan limit in {CITY}}, in {COUNTY}}, {STATE}}, is {DETAILS_LOAN_LIMIT_USDA_1_4}}, whereas the FHA limit for a single-family home is {DETAILS_LOAN_LIMIT_FHA1}}.

Use Lendersa® USDA loan calculator to evaluate the most competitive USDA versus FHA rates available today, determining the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to help make the best choice for your financial needs in Alabama.

Explore offers from 100 lenders

{CURRENT_YEAR}} Loan Limits and Downpayment Requirements in {CITY}}, {COUNTY}}, {STATE}}

Loan Type Loan Limit Down Payment
USDA {DETAILS_LOAN_LIMIT_USDA_1_4}} 0%
FHA {DETAILS_LOAN_LIMIT_FHA1}} 3.5%
Conventional Conforming {DETAILS_LOAN_LIMIT_CONVENTIONAL1}} 3%

USDA and FHA Loan Options in {CITY}}, {STATE}}

The aim of Lendersa® is to swiftly obtain the best possible USDA or FHA loan without hassle. Select one of three starting paths that link you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in {STATE}}

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture for use solely in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Williamsport Teachers Credit union
  • 302 Matthews Boulevard, Williamsport, PA, 17702
  • Williamsport Teachers Credit Union has been open since 1934. The credit union has assets totaling $13.94 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • First Fidelity Financial Group
  • 5100 N. Classen Blvd, Suite 500, Oklahoma City, OK, 73118
  • First Fidelity Bank takes pride in its legacy as a community Bank. Since 1920, we’ve been serving clients with the high level of individual care that community Banks are known for, while using the same sophisticated technology as large national Banks. An award-winning financial institution, First Fidelity Bank’s commitment to our clients
  • Champion Home Loans LLC
  • 4335 N Classen, Suite 101, Oklahoma City, OK, 73118
  • We are a local mortgage brokerage dedicated to finding the best product for our clients while providing a great experience.Our platform allows us to give our clients great rates while on average being $1, 500 cheaper in lender fees than our competitors. We have a loan program for just about every situation.
  • Red Dirt Lending
  • 1220 NW 50th St, Oklahoma City, OK, 73118
  • Red Dirt Lending is an Oklahoma City, OK based private money lender. They offer loans throughout Minneapolis, St Paul, Oklahoma City, and Tulsa. They offer loans for a variety of needs and situations, including loans for rental properties and fix and flip hard money loans. They offer terms up to 1 year, loans with a maximum LTV of 70%
  • True Sky Credit Union
  • 10201 S Western Avenue, Oklahoma City, OK, 73139
  • True Sky Credit Union is a not-for-profit financial institution, serving the needs of those who live, work, worship or attend school in the eight counties surrounding the Oklahoma City metro area. We have seven convenient locations in the metro area including branches in Mustang, Capitol Hill, Norman, Edmond, Moore, Northwest Oklahoma City.
  • Wheat State Credit Union
  • 1400 S Oliver Street, Wichita, KS, 67218
  • A St. Joseph Hospital employee, microbiologist Dennis Carr, first introduced the credit union idea, and St. Joseph Hospital Employees’ Credit Union was chartered in 1963. The name was changed to Medical Community Credit Union in 1998 and to Wheat State Credit Union in 2015 to better reflect the expanded field of membership we now serve.
  • McClain Bank
  • 131 W. Main St., Purcell, OK, 73080
  • McClain County National Bank was chartered on March 8, 1922, right here on Main Street in Purcell. Officers at the time consisted of John H. Perry as President, E.L. Sheets as Vice President, and John H. Wells as Cashier. Six months later, at the close of business on September 15, the Bank had total assets of $298, 212.95. In 1927,
  • Kansas Mortgage Center LLC
  • 840 S Oliver Ave, Wichita, KS, 67218
  • "Kansas Mortgage Center offers a wide variety of loan programs, including Home Purchase Programs, Refinance Programs and Home Renovation Programs. We lend on primary, secondary and investment properties. Let one of our trained specialists at Kansas Mortgage Center help you towards planning your future."