In 2026, the conventional loan limit in Germantown, within Shelby county, TN, is $726,200, whereas the FHA limit is set at $472,030 for single-family homes.
Use the Lendersa® Conventional loan calculator to compare the best rates today across Conventional, FHA, and USDA options. Determine the necessary income, credit score, reserves, and documents for qualification. Our advanced tool presents Conforming Conventional loans, USDA, FHA, and VA side by side, aiding your decision on the optimal program in TN for your financial situation.
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| Loan Type | Loan Limit | Down Payment | |
| Conventional Conforming | $726,200 | 3% | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% |
This table applies to zip codes: 38138
The objective of Lendersa® is to provide the best possible Conventional, USDA, or FHA loans quickly and hassle-free. Choose from three starting points to find matching lenders and loan plans.
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