VA Loan Limits in Davidson County, Tennessee (2026)
In Davidson County — anchored by Davidson County — the 2026 VA county loan limit is $832,750 for a single-family home. That matches the national conforming baseline used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $832,750 |
| Two-unit (duplex) | $1,066,150 |
| Three-unit (triplex) | $1,288,800 |
| Four-unit (fourplex) | $1,601,650 |
Buying in Davidson County with a VA loan
A VA buyer near Davidson County can put $0 down on a $460,000 home. Add the one-time funding fee (~$9,890, financed), skip mortgage insurance entirely, and the monthly cost runs about $3,263 at 6.25%.
$0-down VA payment scenarios in Davidson County
What a zero-down VA payment looks like across Davidson County budgets (no monthly mortgage insurance):
| Purchase Price | Down | Est. Monthly Payment |
|---|---|---|
| Entry-level — $331,000 | $0 | $2,381 |
| Local median — $460,000 | $0 | $3,263 |
| Higher-end — $621,000 | $0 | $4,364 |
Estimates include the financed funding fee plus Tennessee property taxes and insurance — but no monthly mortgage insurance, because VA loans never charge it. Rates move daily near Davidson County too — get alerts.
VA multi-unit limits in Davidson County
Davidson County's 2026 VA multi-unit caps reach $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). Live in one unit, rent the rest, and finance it all with $0 down.
Get VA Rate & Benefit Alerts
VA rates move daily and an IRRRL can save thousands. We will tell you the moment it makes sense.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the VA loan limit in Davidson County for 2026?
- For veterans with partial entitlement, the 2026 VA limit in Davidson County is $832,750 (one unit), $1,066,150 (duplex), $1,288,800 (triplex), and $1,601,650 (fourplex). With full entitlement there is no limit.
- Do I really need $0 down to buy in Davidson County?
- Eligible veterans can buy with no down payment at all. On a median $460,000 Davidson County home that is $0 down, with a one-time funding fee of about $9,890 that is usually financed into the loan.
- Does a VA loan have monthly mortgage insurance in Davidson County?
- No. VA loans never charge monthly mortgage insurance (PMI/MIP) — one of the biggest reasons a VA loan is cheaper than FHA or low-down conventional financing.
- Is Davidson County a high-cost VA county?
- No — Davidson County uses the $832,750 national conforming baseline for partial entitlement.