USDA Guaranteed Loans are the most popular rural development mortgage program in Tennessee.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with Tennessee USDA income limits playing a major role.  Guaranteed Loan income limits across TN are listed below.

Tennessee USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Bedford County, TN$86,850$114,650
Benton County, TN$86,850$114,650
Bledsoe County, TN$86,850$114,650
Campbell County, TN HUD Metro FMR Area$86,850$114,650
Carroll County, TN$86,850$114,650
Chattanooga, TN-GA MSA$86,850$114,650
Claiborne County, TN$86,850$114,650
Clarksville, TN-KY MSA$86,850$114,650
Clay County, TN$86,850$114,650
Cleveland, TN MSA$86,850$114,650
Cocke County, TN$86,850$114,650
Coffee County, TN$86,850$114,650
Crockett County, TN HUD Metro FMR Area$86,850$114,650
Cumberland County, TN$86,850$114,650
Decatur County, TN$86,850$114,650
DeKalb County, TN$86,850$114,650
Dyer County, TN$86,850$114,650
Fentress County, TN$86,850$114,650
Franklin County, TN$86,850$114,650
Gibson County, TN$86,850$114,650
Giles County, TN$86,850$114,650
Grainger County, TN HUD Metro FMR Area$86,850$114,650
Greene County, TN$86,850$114,650
Grundy County, TN$86,850$114,650
Hancock County, TN$86,850$114,650
Hardeman County, TN$86,850$114,650
Hardin County, TN$86,850$114,650
Haywood County, TN$86,850$114,650
Henderson County, TN$86,850$114,650
Henry County, TN$86,850$114,650
Hickman County, TN HUD Metro FMR Area$86,850$114,650
Houston County, TN$86,850$114,650
Humphreys County, TN$86,850$114,650
Jackson County, TN$86,850$114,650
Jackson, TN HUD Metro FMR Area$86,850$114,650
Johnson City, TN MSA$86,850$114,650
Johnson County, TN$86,850$114,650
Kingsport-Bristol-Bristol, TN-VA MSA$86,850$114,650
Knoxville, TN HUD Metro FMR Area$86,850$114,650
Lake County, TN$86,850$114,650
Lauderdale County, TN$86,850$114,650
Lawrence County, TN$86,850$114,650
Lewis County, TN$86,850$114,650
Lincoln County, TN$86,850$114,650
Macon County, TN HUD Metro FMR Area$86,850$114,650
Marshall County, TN$86,850$114,650
Maury County, TN HUD Metro FMR Area$86,850$114,650
McMinn County, TN$86,850$114,650
McNairy County, TN$86,850$114,650
Meigs County, TN$86,850$114,650
Memphis, TN-MS-AR HUD Metro FMR Area$86,850$114,650
Monroe County, TN$86,850$114,650
Moore County, TN$86,850$114,650
Morgan County, TN HUD Metro FMR Area$86,850$114,650
Morristown, TN MSA$86,850$114,650
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR$92,000$121,450
Obion County, TN$86,850$114,650
Overton County, TN$86,850$114,650
Perry County, TN$86,850$114,650
Pickett County, TN$86,850$114,650
Putnam County, TN$86,850$114,650
Rhea County, TN$86,850$114,650
Roane County, TN HUD Metro FMR Area$86,850$114,650
Scott County, TN$86,850$114,650
Sevier County, TN$86,850$114,650
Smith County, TN HUD Metro FMR Area$86,850$114,650
Stewart County, TN$86,850$114,650
Van Buren County, TN$86,850$114,650
Warren County, TN$86,850$114,650
Wayne County, TN$86,850$114,650
Weakley County, TN$86,850$114,650
White County, TN$86,850$114,650
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