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.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/tennessee