2026 VA and FHA Construction Loan Limits
Borrow for Single Family Home Loans in Tennessee Counties
The FHA has a maximum construction loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.
Construction loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.
"For 2026, the FHA floor was set at $541,287 for single-family home loans. This lending limit covers most U.S. counties."
95 match(es) found
| ANDERSON County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BEDFORD County SHELBYVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BENTON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BLEDSOE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BLOUNT County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| BRADLEY County CLEVELAND | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CAMPBELL County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CANNON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| CARROLL County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CARTER County JOHNSON CITY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CHEATHAM County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| CHESTER County JACKSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CLAIBORNE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CLAY County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| COCKE County NEWPORT | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| COFFEE County TULLAHOMA-MANCHESTER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CROCKETT County JACKSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| CUMBERLAND County CROSSVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DAVIDSON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| DECATUR County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DEKALB County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| DICKSON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| DYER County DYERSBURG | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FAYETTE County MEMPHIS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FENTRESS County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| FRANKLIN County WINCHESTER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GIBSON County JACKSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GILES County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GRAINGER County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GREENE County GREENEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| GRUNDY County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HAMBLEN County MORRISTOWN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HAMILTON County CHATTANOOGA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HANCOCK County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HARDEMAN County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HARDIN County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HAWKINS County KINGSPORT-BRISTOL | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HAYWOOD County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HENDERSON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HENRY County PARIS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HICKMAN County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| HOUSTON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| HUMPHREYS County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| JACKSON County COOKEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| JEFFERSON County MORRISTOWN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| JOHNSON County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| KNOX County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LAKE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LAUDERDALE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LAWRENCE County LAWRENCEBURG | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LEWIS County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LINCOLN County FAYETTEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| LOUDON County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MACON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| MADISON County JACKSON | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MARION County CHATTANOOGA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MARSHALL County LEWISBURG | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MAURY County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| MCMINN County ATHENS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MCNAIRY County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MEIGS County ATHENS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MONROE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MONTGOMERY County CLARKSVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MOORE County TULLAHOMA-MANCHESTER | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| MORGAN County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| OBION County UNION CITY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| OVERTON County COOKEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PERRY County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PICKETT County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| POLK County CLEVELAND | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| PUTNAM County COOKEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| RHEA County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ROANE County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| ROBERTSON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| RUTHERFORD County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| SCOTT County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SEQUATCHIE County CHATTANOOGA | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SEVIER County SEVIERVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SHELBY County MEMPHIS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SMITH County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| STEWART County CLARKSVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SULLIVAN County KINGSPORT-BRISTOL | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| SUMNER County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| TIPTON County MEMPHIS | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| TROUSDALE County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| UNICOI County JOHNSON CITY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| UNION County KNOXVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| VAN BUREN County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WARREN County MCMINNVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WASHINGTON County JOHNSON CITY | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WAYNE County NON-METRO | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WEAKLEY County MARTIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WHITE County COOKEVILLE | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $541,287 | ||
| WILLIAMSON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
| WILSON County NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN | |||
| VA Construction Loan Limit | FHA Construction Loan Limit | ||
|---|---|---|---|
| $1,500,000 | $1,029,250 | ||
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