Tennessee 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Tennessee

Tennessee has 95 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Anderson County to a high of $1,901,950 for a 4-bedroom unit in Cannon County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Tennessee's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($1,901,950)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Tennessee (95 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Anderson County	$524,225	$1,008,300	view details »
Bedford County	$524,225	$1,008,300	view details »
Benton County	$524,225	$1,008,300	view details »
Bledsoe County	$524,225	$1,008,300	view details »
Blount County	$524,225	$1,008,300	view details »
Bradley County	$524,225	$1,008,300	view details »
Campbell County	$524,225	$1,008,300	view details »
Cannon County	$989,000	$1,901,950	view details »
Carroll County	$524,225	$1,008,300	view details »
Carter County	$524,225	$1,008,300	view details »
Cheatham County	$989,000	$1,901,950	view details »
Chester County	$524,225	$1,008,300	view details »
Claiborne County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Cocke County	$524,225	$1,008,300	view details »
Coffee County	$524,225	$1,008,300	view details »
Crockett County	$524,225	$1,008,300	view details »
Cumberland County	$524,225	$1,008,300	view details »
Davidson County	$989,000	$1,901,950	view details »
Decatur County	$524,225	$1,008,300	view details »
Dekalb County	$524,225	$1,008,300	view details »
Dickson County	$989,000	$1,901,950	view details »
Dyer County	$524,225	$1,008,300	view details »
Fayette County	$524,225	$1,008,300	view details »
Fentress County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Gibson County	$524,225	$1,008,300	view details »
Giles County	$524,225	$1,008,300	view details »
Grainger County	$524,225	$1,008,300	view details »
Greene County	$524,225	$1,008,300	view details »
Grundy County	$524,225	$1,008,300	view details »
Hamblen County	$524,225	$1,008,300	view details »
Hamilton County	$524,225	$1,008,300	view details »
Hancock County	$524,225	$1,008,300	view details »
Hardeman County	$524,225	$1,008,300	view details »
Hardin County	$524,225	$1,008,300	view details »
Hawkins County	$524,225	$1,008,300	view details »
Haywood County	$524,225	$1,008,300	view details »
Henderson County	$524,225	$1,008,300	view details »
Henry County	$524,225	$1,008,300	view details »
Hickman County	$524,225	$1,008,300	view details »
Houston County	$524,225	$1,008,300	view details »
Humphreys County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Johnson County	$524,225	$1,008,300	view details »
Knox County	$524,225	$1,008,300	view details »
Lake County	$524,225	$1,008,300	view details »
Lauderdale County	$524,225	$1,008,300	view details »
Lawrence County	$524,225	$1,008,300	view details »
Lewis County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Loudon County	$524,225	$1,008,300	view details »
Mcminn County	$524,225	$1,008,300	view details »
Mcnairy County	$524,225	$1,008,300	view details »
Macon County	$989,000	$1,901,950	view details »
Madison County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marshall County	$524,225	$1,008,300	view details »
Maury County	$989,000	$1,901,950	view details »
Meigs County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Moore County	$524,225	$1,008,300	view details »
Morgan County	$524,225	$1,008,300	view details »
Obion County	$524,225	$1,008,300	view details »
Overton County	$524,225	$1,008,300	view details »
Perry County	$524,225	$1,008,300	view details »
Pickett County	$524,225	$1,008,300	view details »
Polk County	$524,225	$1,008,300	view details »
Putnam County	$524,225	$1,008,300	view details »
Rhea County	$524,225	$1,008,300	view details »
Roane County	$524,225	$1,008,300	view details »
Robertson County	$989,000	$1,901,950	view details »
Rutherford County	$989,000	$1,901,950	view details »
Scott County	$524,225	$1,008,300	view details »
Sequatchie County	$524,225	$1,008,300	view details »
Sevier County	$524,225	$1,008,300	view details »
Shelby County	$524,225	$1,008,300	view details »
Smith County	$989,000	$1,901,950	view details »
Stewart County	$524,225	$1,008,300	view details »
Sullivan County	$524,225	$1,008,300	view details »
Sumner County	$989,000	$1,901,950	view details »
Tipton County	$524,225	$1,008,300	view details »
Trousdale County	$989,000	$1,901,950	view details »
Unicoi County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Van Buren County	$524,225	$1,008,300	view details »
Warren County	$524,225	$1,008,300	view details »
Washington County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
Weakley County	$524,225	$1,008,300	view details »
White County	$524,225	$1,008,300	view details »
Williamson County	$989,000	$1,901,950	view details »
Wilson County	$989,000	$1,901,950	view details »

How to qualify for an FHA Loan in Tennessee?

To qualify for an FHA loan in Tennessee, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Tennessee is $524,225 for a single-family home and $1,901,950 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Tennessee. Additional restricts apply. Click on the Tennessee map above or the table below to see loan limits in your area.

Tennessee 2025 FHA Loan Limits

Loan Limits in Tennessee

Loan Limits by County in Tennessee (95 counties)

How to qualify for an FHA Loan in Tennessee?

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