USDA Guaranteed Loans are the most popular rural development mortgage program in Tennessee. Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.
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Search USDA Direct Loan Limits (for low income applicants)
This approach means that the maximum loan limits for Guaranteed Loans are variable, with Tennessee USDA income limits playing a major role. Guaranteed Loan income limits across TN are listed below.
Tennessee USDA Guaranteed Loan Income Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Bedford County, TN | $86,850 | $114,650 |
| Benton County, TN | $86,850 | $114,650 |
| Bledsoe County, TN | $86,850 | $114,650 |
| Campbell County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Carroll County, TN | $86,850 | $114,650 |
| Chattanooga, TN-GA MSA | $86,850 | $114,650 |
| Claiborne County, TN | $86,850 | $114,650 |
| Clarksville, TN-KY MSA | $86,850 | $114,650 |
| Clay County, TN | $86,850 | $114,650 |
| Cleveland, TN MSA | $86,850 | $114,650 |
| Cocke County, TN | $86,850 | $114,650 |
| Coffee County, TN | $86,850 | $114,650 |
| Crockett County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Cumberland County, TN | $86,850 | $114,650 |
| Decatur County, TN | $86,850 | $114,650 |
| DeKalb County, TN | $86,850 | $114,650 |
| Dyer County, TN | $86,850 | $114,650 |
| Fentress County, TN | $86,850 | $114,650 |
| Franklin County, TN | $86,850 | $114,650 |
| Gibson County, TN | $86,850 | $114,650 |
| Giles County, TN | $86,850 | $114,650 |
| Grainger County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Greene County, TN | $86,850 | $114,650 |
| Grundy County, TN | $86,850 | $114,650 |
| Hancock County, TN | $86,850 | $114,650 |
| Hardeman County, TN | $86,850 | $114,650 |
| Hardin County, TN | $86,850 | $114,650 |
| Haywood County, TN | $86,850 | $114,650 |
| Henderson County, TN | $86,850 | $114,650 |
| Henry County, TN | $86,850 | $114,650 |
| Hickman County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Houston County, TN | $86,850 | $114,650 |
| Humphreys County, TN | $86,850 | $114,650 |
| Jackson County, TN | $86,850 | $114,650 |
| Jackson, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Johnson City, TN MSA | $86,850 | $114,650 |
| Johnson County, TN | $86,850 | $114,650 |
| Kingsport-Bristol-Bristol, TN-VA MSA | $86,850 | $114,650 |
| Knoxville, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Lake County, TN | $86,850 | $114,650 |
| Lauderdale County, TN | $86,850 | $114,650 |
| Lawrence County, TN | $86,850 | $114,650 |
| Lewis County, TN | $86,850 | $114,650 |
| Lincoln County, TN | $86,850 | $114,650 |
| Macon County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Marshall County, TN | $86,850 | $114,650 |
| Maury County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| McMinn County, TN | $86,850 | $114,650 |
| McNairy County, TN | $86,850 | $114,650 |
| Meigs County, TN | $86,850 | $114,650 |
| Memphis, TN-MS-AR HUD Metro FMR Area | $86,850 | $114,650 |
| Monroe County, TN | $86,850 | $114,650 |
| Moore County, TN | $86,850 | $114,650 |
| Morgan County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Morristown, TN MSA | $86,850 | $114,650 |
| Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR | $92,000 | $121,450 |
| Obion County, TN | $86,850 | $114,650 |
| Overton County, TN | $86,850 | $114,650 |
| Perry County, TN | $86,850 | $114,650 |
| Pickett County, TN | $86,850 | $114,650 |
| Putnam County, TN | $86,850 | $114,650 |
| Rhea County, TN | $86,850 | $114,650 |
| Roane County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Scott County, TN | $86,850 | $114,650 |
| Sevier County, TN | $86,850 | $114,650 |
| Smith County, TN HUD Metro FMR Area | $86,850 | $114,650 |
| Stewart County, TN | $86,850 | $114,650 |
| Van Buren County, TN | $86,850 | $114,650 |
| Warren County, TN | $86,850 | $114,650 |
| Wayne County, TN | $86,850 | $114,650 |
| Weakley County, TN | $86,850 | $114,650 |
| White County, TN | $86,850 | $114,650 |
