2026 loan limits in Smith County, Tennessee
In Smith County, a conventional loan up to $1,029,250 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $1,029,250.
Conforming limit (1 unit)$1,029,250High-cost county
FHA limit (1 unit)$1,029,250High-cost county
Highest price, 20% down, conforming$1,286,563Loan at the limit
Highest price, 3.5% down, FHA$1,066,580Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $1,029,250 | $1,029,250 |
| 2 units | $1,317,650 | $1,317,650 |
| 3 units | $1,592,700 | $1,592,700 |
| 4 units | $1,979,350 | $1,979,350 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,286,563 in Smith County and stay conforming; with 10% down, about $1,143,611. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $1,066,580.
Questions
What is the 2026 conforming loan limit in Smith County?
$1,029,250 for a one-unit home.
What is the 2026 FHA loan limit in Smith County?
$1,029,250 for a one-unit home.
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2026 limits from HUD’s county files (Nashville-Davidson--Murfreesboro--Franklin, Tn). Conforming limits are set by the Federal Housing Finance Agency.