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Cheatham County, TN loan limits (2026)

Quick answer

The 2026 conforming loan limit in Cheatham County, TN is $1,029,250 for a single-family home; the FHA limit is $1,029,250. With 3.5% down, that FHA limit supports a purchase price up to about $1,066,000. Loans above $1,029,250 are jumbo loans with stricter requirements. Limits come from FHFA and HUD.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Cheatham County is a designated high-cost area, so both its conforming and FHA limits sit above the national baseline. The Census Bureau puts the median owner-occupied home value at $291,400, comfortably below the FHA limit, so FHA financing fits most local listings. Limits apply to the county where the home is located, not where you live now.

What are the 2026 loan limits for 1–4 unit homes in Cheatham County?

PropertyConforming (FHFA)FHA (HUD)
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 do these limits mean for buyers?

  • FHA: HUD will insure a base loan up to $1,029,250 here, so with 3.5% down the most you can pay is about $1,066,000. Above that, you'd need a larger down payment.
  • Conventional: loans up to $1,029,250 get standard Fannie Mae/Freddie Mac pricing with as little as 3% down for eligible buyers.
  • Jumbo: a loan above $1,029,250 is a jumbo loan — usually 700+ credit and 10%–20% down. With 20% down, that starts at roughly $1,286,000.
  • Metro area: HUD sets FHA limits for Cheatham County as part of the NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN area.

Can I get down payment assistance in Cheatham County?

Nearby counties

Dickson County — FHA $1,029,250Davidson County — FHA $1,029,250Robertson County — FHA $1,029,250Montgomery County — FHA $541,287Williamson County — FHA $1,029,250Houston County — FHA $541,287Hickman County — FHA $1,029,250Sumner County — FHA $1,029,250

Frequently asked questions

$1,029,250 for a single-family home, per HUD's 2026 FHA forward mortgage limits.

$1,029,250 for a one-unit property, per FHFA.

When your loan amount exceeds $1,029,250. With 20% down, that's a purchase price above about $1,286,000.

With the minimum 3.5% down, about $1,066,000. A bigger down payment lets you buy above that.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.