FHA Loan Limits in Cumberland County, Tennessee (2026)
Cumberland County and the rest of Cumberland County, Tennessee fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Cumberland County to the edges of Cumberland County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Davidson and Shelby Counties.
How much home can you afford in Cumberland County?
An FHA buyer near Cumberland County faces an estimated $355,000 median, a $12,425 down payment, and — after Tennessee's 0.66% property tax — a monthly cost around $2,615. That suits household income of roughly $101,000, above Tennessee's $64,035 median household income, so budget carefully.
FHA payment scenarios in Cumberland County
Whether you are buying in Cumberland County or a smaller Cumberland County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $256,000 | $8,960 | $1,918 |
| Local median — $355,000 | $12,425 | $2,615 |
| At the FHA limit — $541,287 | $18,945 | $3,926 |
Estimates include FHA MIP plus Tennessee property taxes and insurance. Rates move daily near Cumberland County too — get notified.
First-time buyers make up much of FHA activity in Cumberland County and across Cumberland County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,425 needed on a median Cumberland County home.
Multi-unit FHA limits in Cumberland County
Investors and house-hackers in Cumberland County and across Cumberland County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Cumberland County for 2026?
- In Cumberland County (Cumberland County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Cumberland County with FHA?
- For a median-priced ($355,000) Cumberland County home, plan on income around $101,000 at a 31% housing ratio — about $2,615/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cumberland County?
- 3.5% with a 580+ score — roughly $12,425 on a $355,000 Cumberland County-area home. Gift funds are allowed.
- Is Cumberland County a high-cost FHA area?
- No — Cumberland County uses the $541,287 national floor for one unit.