For the year 2026, the FHA loan limit in the Shelby county located in Millington, TN is $472,030 if you're buying a single-family home. For properties with two units, the limit is $604,400; for three units, it's $730,525; and for four units, the cap is $907,900.
When considering conventional loans, the maximum amount you can borrow for a single-family property is $726,200. For those purchasing a duplex, the limit goes up to $929,850. If you're investing in a tri-plex, the ceiling is set at $1,123,900, and for four-unit dwellings, the conventional loan limit reaches $1,396,800.
By using our FHA calculator, you can ascertain the best FHA rates available today, and it will also guide you on the necessary downpayment, income thresholds, credit ratings, reserves, and documentation required for qualification.
The Lendersa® calculator is designed to provide you with a comprehensive analysis, enabling you to compare FHA rates and terms with those from a variety of other loan programs. It's an excellent tool to evaluate FHA options alongside conventional loans, Jumbo loans, VA, USDA loans, Non-QM, and even hard money loans.
Lendersa® swiftly gathers loan program details from a wide pool of lenders and efficiently matches these options against your specific financial circumstances and needs.
For the year 2026, the Loan Limits Comparison Table in Millington, within Shelby county of TN, facilitates a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification criteria like income, reserve funds, and credit requirements, utilize 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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