Tennessee 2023 FHA Loan Limits
Loan Limits in Tennessee
Tennessee has 95 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Anderson County to a high of $1,711,750 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.
Highest Loan Limit ($1,711,750)
† 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)
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 2023, the maximum loan limit in Tennessee is $472,030 for a single-family home and $1,711,750 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.