As of 2026, the FHA loan limits in Spurgeon County, Sullivan, TN are set at $356,362 for a single-family home, $456,275 for two-unit homes, $551,500 for three-unit properties, and $685,400 for accommodations with four units.
For conventional loans, the maximum cap for a single-family residence is $548,250. Two-unit homes receive a limit of $702,000, with three-unit homes at $848,500, and four-unit residences maxing at $1,054,500.
Use our FHA calculator to discover today’s best rates for FHA loans, and estimate the necessary down payment, income, credit score, reserves, and documentation required for qualification.
The Lendersa® calculator provides a comparison of FHA and other loan program rates and terms. Consider and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® gathers comprehensive loan data from thousands of lenders, promptly comparing it against your financial profile to fulfill specific needs.
The Loan Limits Comparison Table for 2026 in Spurgeon County, Sullivan, TN illustrates maximum loan amounts available across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, HECM, and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed comparisons of qualification needs such as income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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