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By Karl Freund

Updated On

January 12, 2025

2025 FHA Loan Limits for Tennessee

County nameSingle FamilyTwo unitsThree unitsFour units
ANDERSON$524,225$671,200$811,275$1,008,300
BEDFORD$524,225$671,200$811,275$1,008,300
BENTON$524,225$671,200$811,275$1,008,300
BLEDSOE$524,225$671,200$811,275$1,008,300
BLOUNT$524,225$671,200$811,275$1,008,300
BRADLEY$524,225$671,200$811,275$1,008,300
CAMPBELL$524,225$671,200$811,275$1,008,300
CANNON$989,000$1,266,100$1,530,450$1,901,950
CARROLL$524,225$671,200$811,275$1,008,300
CARTER$524,225$671,200$811,275$1,008,300
CHEATHAM$989,000$1,266,100$1,530,450$1,901,950
CHESTER$524,225$671,200$811,275$1,008,300
CLAIBORNE$524,225$671,200$811,275$1,008,300
CLAY$524,225$671,200$811,275$1,008,300
COCKE$524,225$671,200$811,275$1,008,300
COFFEE$524,225$671,200$811,275$1,008,300
CROCKETT$524,225$671,200$811,275$1,008,300
CUMBERLAND$524,225$671,200$811,275$1,008,300
DAVIDSON$989,000$1,266,100$1,530,450$1,901,950
DECATUR$524,225$671,200$811,275$1,008,300
DEKALB$524,225$671,200$811,275$1,008,300
DICKSON$989,000$1,266,100$1,530,450$1,901,950
DYER$524,225$671,200$811,275$1,008,300
FAYETTE$524,225$671,200$811,275$1,008,300
FENTRESS$524,225$671,200$811,275$1,008,300
FRANKLIN$524,225$671,200$811,275$1,008,300
GIBSON$524,225$671,200$811,275$1,008,300
GILES$524,225$671,200$811,275$1,008,300
GRAINGER$524,225$671,200$811,275$1,008,300
GREENE$524,225$671,200$811,275$1,008,300
GRUNDY$524,225$671,200$811,275$1,008,300
HAMBLEN$524,225$671,200$811,275$1,008,300
HAMILTON$524,225$671,200$811,275$1,008,300
HANCOCK$524,225$671,200$811,275$1,008,300
HARDEMAN$524,225$671,200$811,275$1,008,300
HARDIN$524,225$671,200$811,275$1,008,300
HAWKINS$524,225$671,200$811,275$1,008,300
HAYWOOD$524,225$671,200$811,275$1,008,300
HENDERSON$524,225$671,200$811,275$1,008,300
HENRY$524,225$671,200$811,275$1,008,300
HICKMAN$524,225$671,200$811,275$1,008,300
HOUSTON$524,225$671,200$811,275$1,008,300
HUMPHREYS$524,225$671,200$811,275$1,008,300
JACKSON$524,225$671,200$811,275$1,008,300
JEFFERSON$524,225$671,200$811,275$1,008,300
JOHNSON$524,225$671,200$811,275$1,008,300
KNOX$524,225$671,200$811,275$1,008,300
LAKE$524,225$671,200$811,275$1,008,300
LAUDERDALE$524,225$671,200$811,275$1,008,300
LAWRENCE$524,225$671,200$811,275$1,008,300
LEWIS$524,225$671,200$811,275$1,008,300
LINCOLN$524,225$671,200$811,275$1,008,300
LOUDON$524,225$671,200$811,275$1,008,300
MACON$989,000$1,266,100$1,530,450$1,901,950
MADISON$524,225$671,200$811,275$1,008,300
MARION$524,225$671,200$811,275$1,008,300
MARSHALL$524,225$671,200$811,275$1,008,300
MAURY$989,000$1,266,100$1,530,450$1,901,950
MCMINN$524,225$671,200$811,275$1,008,300
MCNAIRY$524,225$671,200$811,275$1,008,300
MEIGS$524,225$671,200$811,275$1,008,300
MONROE$524,225$671,200$811,275$1,008,300
MONTGOMERY$524,225$671,200$811,275$1,008,300
MOORE$524,225$671,200$811,275$1,008,300
MORGAN$524,225$671,200$811,275$1,008,300
OBION$524,225$671,200$811,275$1,008,300
OVERTON$524,225$671,200$811,275$1,008,300
PERRY$524,225$671,200$811,275$1,008,300
PICKETT$524,225$671,200$811,275$1,008,300
POLK$524,225$671,200$811,275$1,008,300
PUTNAM$524,225$671,200$811,275$1,008,300
RHEA$524,225$671,200$811,275$1,008,300
ROANE$524,225$671,200$811,275$1,008,300
ROBERTSON$989,000$1,266,100$1,530,450$1,901,950
RUTHERFORD$989,000$1,266,100$1,530,450$1,901,950
SCOTT$524,225$671,200$811,275$1,008,300
SEQUATCHIE$524,225$671,200$811,275$1,008,300
SEVIER$524,225$671,200$811,275$1,008,300
SHELBY$524,225$671,200$811,275$1,008,300
SMITH$989,000$1,266,100$1,530,450$1,901,950
STEWART$524,225$671,200$811,275$1,008,300
SULLIVAN$524,225$671,200$811,275$1,008,300
SUMNER$989,000$1,266,100$1,530,450$1,901,950
TIPTON$524,225$671,200$811,275$1,008,300
TROUSDALE$989,000$1,266,100$1,530,450$1,901,950
UNICOI$524,225$671,200$811,275$1,008,300
UNION$524,225$671,200$811,275$1,008,300
VAN BUREN$524,225$671,200$811,275$1,008,300
WARREN$524,225$671,200$811,275$1,008,300
WASHINGTON$524,225$671,200$811,275$1,008,300
WAYNE$524,225$671,200$811,275$1,008,300
WEAKLEY$524,225$671,200$811,275$1,008,300
WHITE$524,225$671,200$811,275$1,008,300
WILLIAMSON$989,000$1,266,100$1,530,450$1,901,950
WILSON$989,000$1,266,100$1,530,450$1,901,950
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Karl Freund

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About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

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Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
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