In 2026, the FHA loan limits for Carthage, in Smith county, TN, are as follows: $890,100 for single-family homes, $1,139,500 for 2-unit buildings, $1,377,400 for 3-unit structures, and $1,711,750 for 4-unit properties.
The highest amount obtainable with conventional loans for a single-family residence is $890,100. For properties with two units, the limit is $1,139,500, for three units it's $1,377,400, and for four-unit buildings, the maximum is $1,711,750.
Utilize our FHA calculator to discover today's best FHA rates and to understand the required downpayment, income, credit score, reserves, and paperwork necessary for qualification.
The Lendersa® calculator enables you to compare FHA rates and terms with those of other loans. Investigate and analyze options like Conventional loan, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles data from thousands of lenders, rapidly aligning this information with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Carthage, Smith, TN, provides an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare necessary qualifications such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $890,100 | $1,139,500 | $1,377,400 | $1,711,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $890,100 | $1,139,500 | $1,377,400 | $1,711,750 |
| USDA | $555,600 | $555,600 | $555,600 | $555,600 |
| VA | $890,100 | $1,139,500 | $1,377,400 | $1,711,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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