What are FHA Loan Limits in Tennessee?

FHA loans are a low down payment mortgage program and Tennessee FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Tennessee are set at the floor amount of $275,665 across almost the entire state.

Tennessee FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ANDERSONKNOXVILLE, TN$275,665$352,950$426,625$530,150
BEDFORDSHELBYVILLE, TN$275,665$352,950$426,625$530,150
BENTONNON-METRO$275,665$352,950$426,625$530,150
BLEDSOENON-METRO$275,665$352,950$426,625$530,150
BLOUNTKNOXVILLE, TN$275,665$352,950$426,625$530,150
BRADLEYCLEVELAND, TN$275,665$352,950$426,625$530,150
CAMPBELLKNOXVILLE, TN$275,665$352,950$426,625$530,150
CANNONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
CARROLLNON-METRO$275,665$352,950$426,625$530,150
CARTERJOHNSON CITY, TN$275,665$352,950$426,625$530,150
CHEATHAMNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
CHESTERJACKSON, TN$275,665$352,950$426,625$530,150
CLAIBORNENON-METRO$275,665$352,950$426,625$530,150
CLAYNON-METRO$275,665$352,950$426,625$530,150
COCKENEWPORT, TN$275,665$352,950$426,625$530,150
COFFEETULLAHOMA-MANCHESTER, TN$275,665$352,950$426,625$530,150
CROCKETTJACKSON, TN$275,665$352,950$426,625$530,150
CUMBERLANDCROSSVILLE, TN$275,665$352,950$426,625$530,150
DAVIDSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
DECATURNON-METRO$275,665$352,950$426,625$530,150
DEKALBNON-METRO$275,665$352,950$426,625$530,150
DICKSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
DYERDYERSBURG, TN$275,665$352,950$426,625$530,150
FAYETTEMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
FENTRESSNON-METRO$275,665$352,950$426,625$530,150
FRANKLINTULLAHOMA-MANCHESTER, TN$275,665$352,950$426,625$530,150
GIBSONNON-METRO$275,665$352,950$426,625$530,150
GILESNON-METRO$275,665$352,950$426,625$530,150
GRAINGERKNOXVILLE, TN$275,665$352,950$426,625$530,150
GREENEGREENEVILLE, TN$275,665$352,950$426,625$530,150
GRUNDYNON-METRO$275,665$352,950$426,625$530,150
HAMBLENMORRISTOWN, TN$275,665$352,950$426,625$530,150
HAMILTONCHATTANOOGA, TN-GA$275,665$352,950$426,625$530,150
HANCOCKNON-METRO$275,665$352,950$426,625$530,150
HARDEMANNON-METRO$275,665$352,950$426,625$530,150
HARDINNON-METRO$275,665$352,950$426,625$530,150
HAWKINSKINGSPORT-BRISTOL-BRISTOL, TN-VA$275,665$352,950$426,625$530,150
HAYWOODNON-METRO$275,665$352,950$426,625$530,150
HENDERSONNON-METRO$275,665$352,950$426,625$530,150
HENRYPARIS, TN$275,665$352,950$426,625$530,150
HICKMANNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
HOUSTONNON-METRO$275,665$352,950$426,625$530,150
HUMPHREYSNON-METRO$275,665$352,950$426,625$530,150
JACKSONCOOKEVILLE, TN$275,665$352,950$426,625$530,150
JEFFERSONMORRISTOWN, TN$275,665$352,950$426,625$530,150
JOHNSONNON-METRO$275,665$352,950$426,625$530,150
KNOXKNOXVILLE, TN$275,665$352,950$426,625$530,150
LAKENON-METRO$275,665$352,950$426,625$530,150
LAUDERDALENON-METRO$275,665$352,950$426,625$530,150
LAWRENCELAWRENCEBURG, TN$275,665$352,950$426,625$530,150
LEWISNON-METRO$275,665$352,950$426,625$530,150
LINCOLNNON-METRO$275,665$352,950$426,625$530,150
LOUDONKNOXVILLE, TN$275,665$352,950$426,625$530,150
MACONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
MADISONJACKSON, TN$275,665$352,950$426,625$530,150
MARIONCHATTANOOGA, TN-GA$275,665$352,950$426,625$530,150
MARSHALLLEWISBURG, TN$275,665$352,950$426,625$530,150
MAURYNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
MCMINNATHENS, TN$275,665$352,950$426,625$530,150
MCNAIRYNON-METRO$275,665$352,950$426,625$530,150
MEIGSNON-METRO$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYCLARKSVILLE, TN-KY$275,665$352,950$426,625$530,150
MOORETULLAHOMA-MANCHESTER, TN$275,665$352,950$426,625$530,150
MORGANKNOXVILLE, TN$275,665$352,950$426,625$530,150
OBIONUNION CITY, TN-KY$275,665$352,950$426,625$530,150
OVERTONCOOKEVILLE, TN$275,665$352,950$426,625$530,150
PERRYNON-METRO$275,665$352,950$426,625$530,150
PICKETTNON-METRO$275,665$352,950$426,625$530,150
POLKCLEVELAND, TN$275,665$352,950$426,625$530,150
PUTNAMCOOKEVILLE, TN$275,665$352,950$426,625$530,150
RHEADAYTON, TN$275,665$352,950$426,625$530,150
ROANEKNOXVILLE, TN$275,665$352,950$426,625$530,150
ROBERTSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
RUTHERFORDNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
SCOTTNON-METRO$275,665$352,950$426,625$530,150
SEQUATCHIECHATTANOOGA, TN-GA$275,665$352,950$426,625$530,150
SEVIERSEVIERVILLE, TN$275,665$352,950$426,625$530,150
SHELBYMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
SMITHNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
STEWARTNON-METRO$275,665$352,950$426,625$530,150
SULLIVANKINGSPORT-BRISTOL-BRISTOL, TN-VA$275,665$352,950$426,625$530,150
SUMNERNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
TIPTONMEMPHIS, TN-MS-AR$275,665$352,950$426,625$530,150
TROUSDALENASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
UNICOIJOHNSON CITY, TN$275,665$352,950$426,625$530,150
UNIONKNOXVILLE, TN$275,665$352,950$426,625$530,150
VAN BURENNON-METRO$275,665$352,950$426,625$530,150
WARRENMCMINNVILLE, TN$275,665$352,950$426,625$530,150
WASHINGTONJOHNSON CITY, TN$275,665$352,950$426,625$530,150
WAYNENON-METRO$275,665$352,950$426,625$530,150
WEAKLEYMARTIN, TN$275,665$352,950$426,625$530,150
WHITENON-METRO$275,665$352,950$426,625$530,150
WILLIAMSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900
WILSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANK$466,900$597,700$722,500$897,900

Tennessee FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Tennessee FHA Limits Set?

Tennessee FHA Loan LimitsMortgage limits for Tennessee FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Tennessee FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Tennessee is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Tennessee is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Tennessee FHA loan limits are set above the nationwide floor amount in Nashville, Franklin, Murfreesboro and surrounding areas. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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