Are you thinking about buying a home in the great state of Tennessee? Well, if you are looking to purchase that property in a more rural area – someplace like Crocket or McMinn County, you may want to consider a USDA Loan. Backed by the United States Department of Agriculture, these “no money down” loans are helping add a little peace of mind to the home buying process.

Benefits of a USDA Home Loan include:

  • 100% Financing up to the appraised value
  • No private mortgage insurance for qualifying Tennessee homes
  • Flexible Tennessee credit qualifications
  • No Tennessee loan amount limitations

Tennessee Rural Development Loans – Not Just for Farmers

Take the note that the USDA Rural Development Loan Program is not solely intended for Tennessee farmers. Instead, it is intended to help smaller communities grow and thrive. Areas located all over Tennessee qualify, some of which are located just outside of major metropolitan areas.

To be USDA Loan Eligible, the Tennessee property must be outside of city limits and located in an area of less than 20,000 residents. For more information on Tennessee Rural Development Loans, please fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Tennessee’s USDA Loan Income Limits by County

Eligibility restrictions for Tennessee USDA Loans also include the county and zip code the property resides in, as well as, your past credit history and number of dependents.

In addition, because they are designed for families with moderate to lower incomes, the income of homebuyers looking into a Tennessee Rural Development Home Loan cannot exceed their county’s set limit:

Tennessee USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

STATE:TENNESSEE PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Chattanooga TN-GA MSA VERY LOW INCOME 20300 23200 26100 29000 31350 33650 36000 38300
LOW INCOME 32500 37100 41750 46400 50100 53800 57550 61250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stewart County TN HUD VERY LOW INCOME 18450 21050 23700 26300 28450 30550 32650 34750
LOW INCOME 29450 33700 37900 42100 45450 48850 52200 55550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cleveland TN MSA VERY LOW INCOME 18350 20950 23600 26200 28300 30400 32500 34600
LOW INCOME 29350 33550 37750 41900 45250 48650 52000 55350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson TN MSA VERY LOW INCOME 19050 21800 24500 27200 29400 31600 33750 35950
LOW INCOME 30450 34800 39150 43500 47000 50450 53950 57400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Johnson City TN MSA VERY LOW INCOME 17950 20500 23050 25600 27650 29700 31750 33800
LOW INCOME 28650 32750 36850 40950 44250 47500 50800 54050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kingsport-Bristol-Bristol TN-VA MSA VERY LOW INCOME 17750 20250 22800 25300 27350 29350 31400 33400
LOW INCOME 28350 32400 36450 40500 43750 47000 50200 53450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Knoxville TN MSA VERY LOW INCOME 21800 24900 28000 31100 33600 36100 38600 41100
LOW INCOME 34850 39800 44800 49750 53750 57700 61700 65650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morristown TN MSA VERY LOW INCOME 17300 19800 22250 24700 26700 28700 30650 32650
LOW INCOME 27650 31600 35550 39500 42650 45800 49000 52150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Macon County TN HUD Metro FMR Area VERY LOW INCOME 16500 18850 21200 23550 25450 27300 29200 31100
LOW INCOME 26400 30150 33950 37700 40700 43750 46750 49750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Nashville-Davidson--Murfreesboro--FranklinTN MSA VERY LOW INCOME 23500 26850 30200 33550 36250 38950 41650 44300
LOW INCOME 37600 42950 48350 53700 58000 62300 66600 70900
MOD.INC-GUAR.LOAN 77200 77200 77200 77200 101900 101900 101900 101900
Smith County TN HUD Metro FMR Area VERY LOW INCOME 19900 22750 25600 28400 30700 32950 35250 37500
LOW INCOME 31800 36350 40900 45450 49100 52700 56350 60000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bedford County TN VERY LOW INCOME 17900 20450 23000 25550 27600 29650 31700 33750
LOW INCOME 28650 32700 36800 40900 44150 47450 50700 54000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Benton County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bledsoe County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Campbell County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County TN VERY LOW INCOME 17200 19650 22100 24550 26550 28500 30450 32450
LOW INCOME 27500 31450 35350 39300 42450 45600 48750 51900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Claiborne County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cocke County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coffee County TN VERY LOW INCOME 18750 21400 24100 26750 28900 31050 33200 35350
LOW INCOME 29950 34250 38500 42800 46200 49650 53050 56500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crockett County TN VERY LOW INCOME 16850 19250 21650 24050 26000 27900 29850 31750
LOW INCOME 26950 30800 34650 38500 41600 44650 47750 50800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cumberland County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
DeKalb County TN VERY LOW INCOME 16900 19300 21700 24100 26050 28000 29900 31850
LOW INCOME 27000 30850 34700 38550 41650 44700 47800 50900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Decatur County TN VERY LOW INCOME 17150 19600 22050 24500 26500 28450 30400 32350
LOW INCOME 27450 31350 35300 39200 42350 45450 48600 51750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Dyer County TN VERY LOW INCOME 17150 19600 22050 24450 26450 28400 30350 32300
LOW INCOME 27350 31300 35200 39100 42250 45350 48500 51600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fentress County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County TN VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gibson County TN VERY LOW INCOME 17900 20450 23000 25550 27600 29650 31700 33750
LOW INCOME 28650 32700 36800 40900 44150 47450 50700 54000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Giles County TN VERY LOW INCOME 18350 21000 23600 26200 28300 30400 32500 34600
LOW INCOME 29350 33500 37700 41900 45250 48600 51950 55300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County TN VERY LOW INCOME 16950 19350 21750 24150 26100 28050 29950 31900
LOW INCOME 27050 30900 34800 38650 41750 44850 47950 51000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grundy County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hancock County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardeman County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardin County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Haywood County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henderson County TN VERY LOW INCOME 17500 20000 22500 25000 27000 29000 31000 33000
LOW INCOME 28000 32000 36000 40000 43200 46400 49600 52800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henry County TN VERY LOW INCOME 17400 19850 22350 24800 26800 28800 30800 32750
LOW INCOME 27800 31750 35750 39700 42900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Houston County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Humphreys County TN VERY LOW INCOME 18550 21200 23850 26450 28600 30700 32800 34950
LOW INCOME 29600 33850 38050 42300 45700 49050 52450 55850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Johnson County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lake County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lauderdale County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lawrence County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewis County TN VERY LOW INCOME 16950 19350 21750 24150 26100 28050 29950 31900
LOW INCOME 27050 30900 34800 38650 41750 44850 47950 51000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lincoln County TN VERY LOW INCOME 19750 22600 25400 28200 30500 32750 35000 37250
LOW INCOME 31550 36100 40600 45100 48700 52300 55900 59550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marshall County TN VERY LOW INCOME 20100 23000 25850 28700 31000 33300 35600 37900
LOW INCOME 32150 36700 41300 45900 49550 53250 56900 60600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Maury County TN VERY LOW INCOME 21550 24650 27700 30800 33250 35750 38200 40650
LOW INCOME 34500 39450 44350 49300 53250 57200 61150 65100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McMinn County TN VERY LOW INCOME 17750 20300 22850 25350 27400 29450 31450 33500
LOW INCOME 28400 32450 36500 40550 43800 47050 50300 53550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McNairy County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Meigs County TN VERY LOW INCOME 17150 19600 22050 24500 26500 28450 30400 32350
LOW INCOME 27450 31350 35300 39200 42350 45450 48600 51750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County TN VERY LOW INCOME 16750 19150 21550 23900 25850 27750 29650 31550
LOW INCOME 26800 30600 34450 38250 41300 44350 47450 50500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Moore County TN VERY LOW INCOME 21750 24850 27950 31050 33550 36050 38550 41000
LOW INCOME 34800 39750 44750 49700 53700 57650 61650 65600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morgan County TN VERY LOW INCOME 16950 19350 21750 24150 26100 28050 29950 31900
LOW INCOME 27050 30900 34800 38650 41750 44850 47950 51000
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Obion County TN VERY LOW INCOME 17800 20350 22900 25400 27450 29500 31500 33550
LOW INCOME 28450 32500 36600 40650 43900 47150 50400 53650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Overton County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Perry County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pickett County TN VERY LOW INCOME 16400 18750 21100 23400 25300 27150 29050 30900
LOW INCOME 26200 29950 33700 37450 40450 43450 46450 49450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Putnam County TN VERY LOW INCOME 17650 20200 22700 25200 27250 29250 31250 33300
LOW INCOME 28200 32250 36250 40300 43500 46750 49950 53200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Rhea County TN VERY LOW INCOME 16600 18950 21300 23650 25550 27450 29350 31250
LOW INCOME 26500 30300 34050 37850 40900 43900 46950 49950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roane County TN VERY LOW INCOME 19350 22100 24850 27600 29850 32050 34250 36450
LOW INCOME 30900 35300 39750 44150 47700 51200 54750 58300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scott County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sevier County TN VERY LOW INCOME 18700 21400 24050 26700 28850 31000 33150 35250
LOW INCOME 29900 34150 38450 42700 46100 49550 52950 56350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Van Buren CountyTN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Warren County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46350 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wayne County TN VERY LOW INCOME 16800 19200 21600 23950 25900 27800 29700 31650
LOW INCOME 26800 30650 34450 38300 41350 44450 47500 50550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Weakley County TN VERY LOW INCOME 17050 19500 21950 24350 26300 28250 30200 32150
LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
White County TN VERY LOW INCOME 16350 18700 21050 23350 25250 27100 29000 30850
LOW INCOME 26150 29900 33600 37350 40350 43350 46300 49300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 
Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for a Tennessee USDA Loan, contact us today.