In 2026, the FHA loan limits in Smithville County of DeKalb, TN are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the maximum for a single-family residence is $726,200, with $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to see today's FHA rates and determine the needed down payment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Analyze options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Accessing data from thousands of lenders, Lendersa® quickly aligns this information with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Smithville County, DeKalb, TN displays maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate income, reserves, and credit conditions using 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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