For 2026, the FHA loan limit in Cookeville county of Putnam, TN is set at $472,030 for a single-family home. If you're purchasing a two-unit property, the limit is $604,400; for three units, it is $730,525, and for four-unit properties, you can borrow up to $907,900.
The highest loan amount for conventional loans on a single-family residence reaches $726,200. If you're interested in two units, the cap is $929,850. For three units, it extends to $1,123,900, while for four-unit properties, the maximum is $1,396,800.
Make use of our FHA calculator to find today's best FHA rates and figure out the necessary down payment, income, credit score, reserves, and documents needed for qualification.
The Lendersa® calculator gives you the chance to compare FHA rates and terms with those of other loan programs. Analyze Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans alongside FHA options. This enables a more comprehensive financial evaluation and better-informed decisions.
Lendersa® compiles data from over a thousand lenders, rapidly comparing their offerings with your personal financial profile and needs.
For 2026, the Loan Limits Comparison Table in Cookeville county of Putnam, TN, provides details on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further explore qualification metrics such as reserve funds, income, and credit requirements, 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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