FHA VS Conventional loan programs in Johnson-City, Washington County, Tennessee
In 2026, the maximum loan limit for Conventional mortgages in Johnson-City, which is part of Washington County, TN, is $647,200. For a single-family home, the FHA ceiling is $420,680. These limits provide crucial guidance for homebuyers and investors looking to finance properties in this locale.
Use the Lendersa® Conventional loan calculator for a comprehensive comparison of the best rates currently available between Conventional, FHA, and USDA loans. Determine your necessary income, credit level, reserves, and supporting documents for qualification. The advanced mortgage calculator provides a clear view of Conforming Conventional loans next to USDA, FHA, and VA options, enabling an accurate assessment of which program in TN is most aligned with your financial needs.
Detailed 2026 Loan Limits and Downpayment Requirements in Johnson-City, County of Washington, TN
Loan Type
Loan Limit
Down Payment Required
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table applies specifically to the following zip codes: 37614
Explore Conventional and FHA Loan Opportunities in Johnson-City, TN
The mission at Lendersa® is to promptly provide the most favorable Conventional, USDA, or FHA loan solutions, minimizing any hassle. Start with any of these three pathways to connect with compatible lenders and the loan programs best suited to your situation.
2110 West Mountcastle Drive, Johnson City, TN, 37604
Lends in Tennessee
Greater Eastern Credit Union was chartered in 1952 as a non-profit financial institution for employees of the Mountain Home Veterans Administration Medical Center. From our humble beginnings, we have consistently provided our members with quality financial products and exceptional service.
1102 W. Market St, Suite 20, Johnson City, TN, 37604
Lends in Tennessee
Beacon Financial is a mortgage broker with operations in one state. Beacon Financial offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA & VA mortgages. Beacon Financial is a FREEandCLEAR Certified Gold Low Rate Lender.
Our mission is to provide financial products & services that add superior value to membe
Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.
At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
5034 Bobby Hicks Highway, Suite 2, Johnson City, TN, 37615
Lends in Tennessee
The Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.
Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators. A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid.
Since 1934, families and businesses have placed their trust and confidence in a bank that has grown and prospered right along with the East Tennessee region. Today, Citizens Bank is one of Tennessee's most solid banks, providing the best available financial services, convenience, technology, and expertise, so you can bank your own way
