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.
Explore a broad range of loan offers from a pool of 100 lenders
| 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
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.
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