As of 2026, the FHA loan limit in Smyrna county of Rutherford, TN, stands at $890,100 for a single-family dwelling. For duplexes (2-units), the limit is $1,139,500, for triplexes (3-units) it is $1,377,400, and for four-unit properties, it reaches $1,711,750.
Regarding conventional loans, the maximum allowance for a single-family home is $890,100. For two-unit properties, it's $1,139,500, for three units, it amounts to $1,377,400, and for four units, it is capped at $1,711,750.
Our FHA calculator can help you identify today’s most favorable FHA rates. You'll also discern what's needed for your down payment, credit score, income level, reserves, and documentation required for qualification.
Utilize the Lendersa® calculator to thoroughly compare the rates and terms of FHA loans with those of other financing options. This includes conventional mortgages, jumbo loans, VA loans, USDA loans, non-QM loans, and hard money loans. These comparisons enable you to fully evaluate varying loan scenarios alongside FHA loans and make an informed decision.
By accessing comprehensive data from thousands of lenders, Lendersa® swiftly aligns these offerings with your personalized financial profile, providing insights that suit your needs efficiently.
For 2026, see the Loan Limits Comparison Table for Smyrna county in Rutherford, TN. It outlines the maximum borrowing amounts across different loan types—FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine criteria such as income, reserves, and credit qualifications, make use of 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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