For 2026, the FHA loan limits in Memphis county, Shelby, TN are $472,030 for single-family homes, $604,400 for two units, $730,525 for three-units, and $907,900 for four units.
The maximum conventional loan amount is $726,200 for a single-family residence, $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for residences with four units.
Utilize our FHA calculator to look up the most favorable FHA rates today and find out the necessary down payment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator allows you to compare and contrast FHA rates and terms with those of other loans, including conventional, jumbo, VA, USDA, non-QM, and hard money options.
Lendersa® pulls comprehensive loan data from thousands of lenders, aligning it quickly with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Memphis county, Shelby, TN displays comparison data for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements like income, reserves, and credit.
| 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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