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$331,760$424,800$513,450$638,100
BEDFORDSHELBYVILLE, TN$331,760$424,800$513,450$638,100
BENTONNON-METRO$331,760$424,800$513,450$638,100
BLEDSOENON-METRO$331,760$424,800$513,450$638,100
BLOUNTKNOXVILLE, TN$331,760$424,800$513,450$638,100
BRADLEYCLEVELAND, TN$331,760$424,800$513,450$638,100
CAMPBELLKNOXVILLE, TN$331,760$424,800$513,450$638,100
CANNONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
CARROLLNON-METRO$331,760$424,800$513,450$638,100
CARTERJOHNSON CITY, TN$331,760$424,800$513,450$638,100
CHEATHAMNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
CHESTERJACKSON, TN$331,760$424,800$513,450$638,100
CLAIBORNENON-METRO$331,760$424,800$513,450$638,100
CLAYNON-METRO$331,760$424,800$513,450$638,100
COCKENEWPORT, TN$331,760$424,800$513,450$638,100
COFFEETULLAHOMA-MANCHESTER, TN$331,760$424,800$513,450$638,100
CROCKETTJACKSON, TN$331,760$424,800$513,450$638,100
CUMBERLANDCROSSVILLE, TN$331,760$424,800$513,450$638,100
DAVIDSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
DECATURNON-METRO$331,760$424,800$513,450$638,100
DEKALBNON-METRO$331,760$424,800$513,450$638,100
DICKSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
DYERDYERSBURG, TN$331,760$424,800$513,450$638,100
FAYETTEMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
FENTRESSNON-METRO$331,760$424,800$513,450$638,100
FRANKLINTULLAHOMA-MANCHESTER, TN$331,760$424,800$513,450$638,100
GIBSONJACKSON, TN$331,760$424,800$513,450$638,100
GILESNON-METRO$331,760$424,800$513,450$638,100
GRAINGERMORRISTOWN, TN$331,760$424,800$513,450$638,100
GREENEGREENEVILLE, TN$331,760$424,800$513,450$638,100
GRUNDYNON-METRO$331,760$424,800$513,450$638,100
HAMBLENMORRISTOWN, TN$331,760$424,800$513,450$638,100
HAMILTONCHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
HANCOCKNON-METRO$331,760$424,800$513,450$638,100
HARDEMANNON-METRO$331,760$424,800$513,450$638,100
HARDINNON-METRO$331,760$424,800$513,450$638,100
HAWKINSKINGSPORT-BRISTOL, TN-VA$331,760$424,800$513,450$638,100
HAYWOODBROWNSVILLE, TN$331,760$424,800$513,450$638,100
HENDERSONNON-METRO$331,760$424,800$513,450$638,100
HENRYPARIS, TN$331,760$424,800$513,450$638,100
HICKMANNON-METRO$331,760$424,800$513,450$638,100
HOUSTONNON-METRO$331,760$424,800$513,450$638,100
HUMPHREYSNON-METRO$331,760$424,800$513,450$638,100
JACKSONCOOKEVILLE, TN$331,760$424,800$513,450$638,100
JEFFERSONMORRISTOWN, TN$331,760$424,800$513,450$638,100
JOHNSONNON-METRO$331,760$424,800$513,450$638,100
KNOXKNOXVILLE, TN$331,760$424,800$513,450$638,100
LAKENON-METRO$331,760$424,800$513,450$638,100
LAUDERDALENON-METRO$331,760$424,800$513,450$638,100
LAWRENCELAWRENCEBURG, TN$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNNON-METRO$331,760$424,800$513,450$638,100
LOUDONKNOXVILLE, TN$331,760$424,800$513,450$638,100
MACONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
MADISONJACKSON, TN$331,760$424,800$513,450$638,100
MARIONCHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
MARSHALLLEWISBURG, TN$331,760$424,800$513,450$638,100
MAURYNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
MCMINNATHENS, TN$331,760$424,800$513,450$638,100
MCNAIRYNON-METRO$331,760$424,800$513,450$638,100
MEIGSNON-METRO$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
MOORETULLAHOMA-MANCHESTER, TN$331,760$424,800$513,450$638,100
MORGANKNOXVILLE, TN$331,760$424,800$513,450$638,100
OBIONUNION CITY, TN$331,760$424,800$513,450$638,100
OVERTONCOOKEVILLE, TN$331,760$424,800$513,450$638,100
PERRYNON-METRO$331,760$424,800$513,450$638,100
PICKETTNON-METRO$331,760$424,800$513,450$638,100
POLKCLEVELAND, TN$331,760$424,800$513,450$638,100
PUTNAMCOOKEVILLE, TN$331,760$424,800$513,450$638,100
RHEADAYTON, TN$331,760$424,800$513,450$638,100
ROANEKNOXVILLE, TN$331,760$424,800$513,450$638,100
ROBERTSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
RUTHERFORDNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
SCOTTNON-METRO$331,760$424,800$513,450$638,100
SEQUATCHIECHATTANOOGA, TN-GA$331,760$424,800$513,450$638,100
SEVIERSEVIERVILLE, TN$331,760$424,800$513,450$638,100
SHELBYMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
SMITHNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
STEWARTCLARKSVILLE, TN-KY$331,760$424,800$513,450$638,100
SULLIVANKINGSPORT-BRISTOL, TN-VA$331,760$424,800$513,450$638,100
SUMNERNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
TIPTONMEMPHIS, TN-MS-AR$331,760$424,800$513,450$638,100
TROUSDALENASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
UNICOIJOHNSON CITY, TN$331,760$424,800$513,450$638,100
UNIONKNOXVILLE, TN$331,760$424,800$513,450$638,100
VAN BURENNON-METRO$331,760$424,800$513,450$638,100
WARRENMCMINNVILLE, TN$331,760$424,800$513,450$638,100
WASHINGTONJOHNSON CITY, TN$331,760$424,800$513,450$638,100
WAYNENON-METRO$331,760$424,800$513,450$638,100
WEAKLEYMARTIN, TN$331,760$424,800$513,450$638,100
WHITENON-METRO$331,760$424,800$513,450$638,100
WILLIAMSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650
WILSONNASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN$563,500$721,400$872,000$1,083,650

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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