Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Tennessee. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

Tennessee USDA Loan Limits – Guaranteed Loans

Area
1-4 Person Households
5-8 Person Households
Bedford County, TN$272,000$340,000
Benton County, TN$272,000$340,000
Bledsoe County, TN$272,000$340,000
Campbell County, TN HUD Metro FMR Area$272,000$340,000
Carroll County, TN$272,000$340,000
Chattanooga, TN-GA MSA$272,000$340,000
Claiborne County, TN$272,000$340,000
Clarksville, TN-KY MSA$272,000$340,000
Clay County, TN$272,000$340,000
Cleveland, TN MSA$272,000$340,000
Cocke County, TN$272,000$340,000
Coffee County, TN$272,000$340,000
Crockett County, TN HUD Metro FMR Area$272,000$340,000
Cumberland County, TN$272,000$340,000
Decatur County, TN$272,000$340,000
DeKalb County, TN$272,000$340,000
Dyer County, TN$272,000$340,000
Fentress County, TN$272,000$340,000
Franklin County, TN$272,000$340,000
Gibson County, TN$272,000$340,000
Giles County, TN$272,000$340,000
Greene County, TN$272,000$340,000
Grundy County, TN$272,000$340,000
Hancock County, TN$272,000$340,000
Hardeman County, TN$272,000$340,000
Hardin County, TN$272,000$340,000
Haywood County, TN$272,000$340,000
Henderson County, TN$272,000$340,000
Henry County, TN$272,000$340,000
Hickman County, TN HUD Metro FMR Area$272,000$340,000
Houston County, TN$272,000$340,000
Humphreys County, TN$272,000$340,000
Jackson County, TN$272,000$340,000
Jackson, TN HUD Metro FMR Area$272,000$340,000
Johnson City, TN MSA$272,000$340,000
Johnson County, TN$272,000$340,000
Kingsport-Bristol-Bristol, TN-VA MSA$272,000$340,000
Knoxville, TN HUD Metro FMR Area$272,000$340,000
Lake County, TN$272,000$340,000
Lauderdale County, TN$272,000$340,000
Lawrence County, TN$272,000$340,000
Lewis County, TN$272,000$340,000
Lincoln County, TN$272,000$340,000
Macon County, TN HUD Metro FMR Area$272,000$340,000
Marshall County, TN$272,000$340,000
Maury County, TN HUD Metro FMR Area$272,000$340,000
McMinn County, TN$272,000$340,000
McNairy County, TN$272,000$340,000
Meigs County, TN$272,000$340,000
Memphis, TN-MS-AR HUD Metro FMR Area$272,000$340,000
Monroe County, TN$272,000$340,000
Moore County, TN$272,000$340,000
Morgan County, TN HUD Metro FMR Area$272,000$340,000
Morristown, TN HUD Metro FMR Area$272,000$340,000
Morristown, TN MSA$272,000$340,000
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR$272,000$357,000
Obion County, TN$272,000$340,000
Overton County, TN$272,000$340,000
Perry County, TN$272,000$340,000
Pickett County, TN$272,000$340,000
Putnam County, TN$272,000$340,000
Rhea County, TN$272,000$340,000
Roane County, TN HUD Metro FMR Area$272,000$340,000
Scott County, TN$272,000$340,000
Sevier County, TN$272,000$340,000
Smith County, TN HUD Metro FMR Area$272,000$340,000
Stewart County, TN$272,000$340,000
Van Buren County, TN$272,000$340,000
Warren County, TN$272,000$340,000
Wayne County, TN$272,000$340,000
Weakley County, TN$272,000$340,000
White County, TN$272,000$340,000
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