For 2026, the FHA loan cap in Collierville county of Shelby, TN is set at $472,030 for a single-family house. If you're considering two-unit properties, the limit is $604,400; for three units, it is $730,525, and for properties with four units, the cap is $907,900.
When it comes to conventional loans, the maximum borrowing limit for a single-family residence is $726,200. For duplexes, it's $929,850; for triplexes, it's $1,123,900; and for four-unit buildings, the limit is $1,396,800.
Explore today’s top FHA rates using our handy FHA calculator. This tool also helps you learn about the required down payment, income, credit score, reserves, and documentation for qualification.
The Lendersa® calculator provides a way to compare FHA rates and terms with those of various loan programs. These include Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans. Taking this holistic approach enables you to make better informed financial decisions by comparing FHA loans with these alternatives.
Lendersa® compiles comprehensive loan program data from thousands of lenders, rapidly matching this information with your unique financial needs and profile.
The Loan Limits Comparison for 2026 in Collierville county of Shelby, TN covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For details about qualification requirements, such as income, reserve funds, and credit ratings, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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