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$75,650$99,850
Benton County, TN$75,650$99,850
Bledsoe County, TN$75,650$99,850
Campbell County, TN HUD Metro FMR Area$75,650$99,850
Carroll County, TN$75,650$99,850
Chattanooga, TN-GA MSA$75,650$99,850
Claiborne County, TN$75,650$99,850
Clarksville, TN-KY MSA$75,650$99,850
Clay County, TN$75,650$99,850
Cleveland, TN MSA$75,650$99,850
Cocke County, TN$75,650$99,850
Coffee County, TN$75,650$99,850
Crockett County, TN HUD Metro FMR Area$75,650$99,850
Cumberland County, TN$75,650$99,850
Decatur County, TN$75,650$99,850
DeKalb County, TN$75,650$99,850
Dyer County, TN$75,650$99,850
Fentress County, TN$75,650$99,850
Franklin County, TN$75,650$99,850
Gibson County, TN$75,650$99,850
Giles County, TN$75,650$99,850
Greene County, TN$75,650$99,850
Grundy County, TN$75,650$99,850
Hancock County, TN$75,650$99,850
Hardeman County, TN$75,650$99,850
Hardin County, TN$75,650$99,850
Haywood County, TN$75,650$99,850
Henderson County, TN$75,650$99,850
Henry County, TN$75,650$99,850
Hickman County, TN HUD Metro FMR Area$75,650$99,850
Houston County, TN$75,650$99,850
Humphreys County, TN$75,650$99,850
Jackson County, TN$75,650$99,850
Jackson, TN HUD Metro FMR Area$75,650$99,850
Johnson City, TN MSA$75,650$99,850
Johnson County, TN$75,650$99,850
Kingsport-Bristol-Bristol, TN-VA MSA$75,650$99,850
Knoxville, TN HUD Metro FMR Area$75,650$99,850
Lake County, TN$75,650$99,850
Lauderdale County, TN$75,650$99,850
Lawrence County, TN$75,650$99,850
Lewis County, TN$75,650$99,850
Lincoln County, TN$75,650$99,850
Macon County, TN HUD Metro FMR Area$75,650$99,850
Marshall County, TN$75,650$99,850
Maury County, TN HUD Metro FMR Area$75,650$99,850
McMinn County, TN$75,650$99,850
McNairy County, TN$75,650$99,850
Meigs County, TN$75,650$99,850
Memphis, TN-MS-AR HUD Metro FMR Area$75,650$99,850
Monroe County, TN$75,650$99,850
Moore County, TN$75,650$99,850
Morgan County, TN HUD Metro FMR Area$75,650$99,850
Morristown, TN HUD Metro FMR Area$75,650$99,850
Morristown, TN MSA$75,650$99,850
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR$78,800$104,000
Obion County, TN$75,650$99,850
Overton County, TN$75,650$99,850
Perry County, TN$75,650$99,850
Pickett County, TN$75,650$99,850
Putnam County, TN$75,650$99,850
Rhea County, TN$75,650$99,850
Roane County, TN HUD Metro FMR Area$75,650$99,850
Scott County, TN$75,650$99,850
Sevier County, TN$75,650$99,850
Smith County, TN HUD Metro FMR Area$75,650$99,850
Stewart County, TN$75,650$99,850
Van Buren County, TN$75,650$99,850
Warren County, TN$75,650$99,850
Wayne County, TN$75,650$99,850
Weakley County, TN$75,650$99,850
White County, TN$75,650$99,850
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