For the year 2026, the FHA loan limit in Gallatin county, located in Sumner, TN, is $890,100 for single-family homes. If you're looking at two-unit structures, the ceiling is $1,139,500; for three-unit buildings, it's $1,377,400; and for four-unit structures, the limit is $1,711,750.
As for conventional loans, the upper limit for a single-family home is $890,100. For a duplex, the maximum is $1,139,500; three-unit residences reach $1,377,400; and the cap for four units is $1,711,750.
Utilize our FHA calculator to discover today’s best FHA rates and determine the necessary down payment, income, credit, and reserve requirements along with needed documentation to qualify.
The Lendersa® calculator lets you compare and contrast FHA rates and terms with all other loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. This tool offers a comprehensive exploration of potential loans.
Drawing data from a vast network of lenders, Lendersa® quickly compares these offerings with your specific financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Gallatin county of Sumner, TN, allows you to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For a detailed assessment of qualification requirements like income, credit, and reserves, use 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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