VA Loan Limits in Tennessee (2026)
For 2026, the VA county loan limit for most Tennessee counties is $832,750 for a single-family home — but only for veterans with partial entitlement. Tennessee has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in Tennessee — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in Tennessee
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Shelby County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Davidson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Knox County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hamilton County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Rutherford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Williamson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Montgomery County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sumner County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sevier County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wilson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Blount County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Washington County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Madison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bradley County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Maury County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Sullivan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Anderson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Robertson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Putnam County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Greene County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Hamblen County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Bedford County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Dickson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Carter County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Coffee County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cumberland County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| McMinn County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Loudon County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
Tennessee's median home price is roughly $360,000. With $0 down and no PMI, an example VA payment near that price is about $2,579/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in Tennessee
The VA home-loan benefit lets eligible Tennessee veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in Tennessee for 2026?
- With full entitlement, none. For partial entitlement, most Tennessee counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in Tennessee require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.