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 USDA Loans 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

USDA 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

Quick Scroll
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 30850 30850 30850 30850 40750 40750 40750 40750
Apply Now LOW INCOME 49350 49350 49350 49350 65150 65150 65150 65150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clarksville, TN-KY MSA
VERY LOW INCOME 27900 27900 27900 27900 36850 36850 36850 36850
Apply Now LOW INCOME 44650 44650 44650 44650 58950 58950 58950 58950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cleveland, TN MSA
VERY LOW INCOME 29050 29050 29050 29050 38350 38350 38350 38350
Apply Now LOW INCOME 46500 46500 46500 46500 61400 61400 61400 61400
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Crockett County, TN HUD Metro FMR Area
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson, TN HUD Metro FMR Area
VERY LOW INCOME 29300 29300 29300 29300 38700 38700 38700 38700
Apply Now LOW INCOME 46900 46900 46900 46900 61900 61900 61900 61900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Johnson City, TN MSA
VERY LOW INCOME 27050 27050 27050 27050 35750 35750 35750 35750
Apply Now LOW INCOME 43300 43300 43300 43300 57150 57150 57150 57150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Kingsport-Bristol-Bristol, TN-VA MSA
VERY LOW INCOME 27400 27400 27400 27400 36200 36200 36200 36200
Apply Now LOW INCOME 43850 43850 43850 43850 57900 57900 57900 57900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Campbell County, TN HUD Metro FMR Area
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grainger County, TN HUD Metro FMR Area
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Knoxville, TN HUD Metro FMR Area
VERY LOW INCOME 33300 33300 33300 33300 44000 44000 44000 44000
Apply Now LOW INCOME 53300 53300 53300 53300 70350 70350 70350 70350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Morgan County, TN HUD Metro FMR Area
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Roane County, TN HUD Metro FMR Area
VERY LOW INCOME 28800 28800 28800 28800 38050 38050 38050 38050
Apply Now LOW INCOME 46100 46100 46100 46100 60850 60850 60850 60850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Memphis, TN-MS-AR HUD Metro FMR Area
VERY LOW INCOME 32100 32100 32100 32100 42400 42400 42400 42400
Apply Now LOW INCOME 51350 51350 51350 51350 67800 67800 67800 67800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Morristown, TN MSA
VERY LOW INCOME 25450 25450 25450 25450 33600 33600 33600 33600
Apply Now LOW INCOME 40700 40700 40700 40700 53700 53700 53700 53700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hickman County, TN HUD Metro FMR Area
VERY LOW INCOME 25950 25950 25950 25950 34300 34300 34300 34300
Apply Now LOW INCOME 41500 41500 41500 41500 54800 54800 54800 54800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Macon County, TN HUD Metro FMR Area
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Maury County, TN HUD Metro FMR Area
VERY LOW INCOME 30800 30800 30800 30800 40650 40650 40650 40650
Apply Now LOW INCOME 49300 49300 49300 49300 65100 65100 65100 65100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR
VERY LOW INCOME 37450 37450 37450 37450 49450 49450 49450 49450
Apply Now LOW INCOME 59900 59900 59900 59900 79050 79050 79050 79050
MOD.INC-GUAR.LOAN 86100 86100 86100 86100 113650 113650 113650 113650
Smith County, TN HUD Metro FMR Area
VERY LOW INCOME 28950 28950 28950 28950 38250 38250 38250 38250
Apply Now LOW INCOME 46300 46300 46300 46300 61100 61100 61100 61100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bedford County, TN
VERY LOW INCOME 25550 25550 25550 25550 33750 33750 33750 33750
Apply Now LOW INCOME 40900 40900 40900 40900 54000 54000 54000 54000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Benton County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Bledsoe County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Carroll County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Claiborne County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Clay County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cocke County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Coffee County, TN
VERY LOW INCOME 26750 26750 26750 26750 35350 35350 35350 35350
Apply Now LOW INCOME 42800 42800 42800 42800 56500 56500 56500 56500
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Cumberland County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
DeKalb County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Decatur County, TN
VERY LOW INCOME 25950 25950 25950 25950 34300 34300 34300 34300
Apply Now LOW INCOME 41500 41500 41500 41500 54800 54800 54800 54800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Dyer County, TN
VERY LOW INCOME 28750 28750 28750 28750 37950 37950 37950 37950
Apply Now LOW INCOME 46000 46000 46000 46000 60700 60700 60700 60700
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fentress County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Franklin County, TN
VERY LOW INCOME 26950 26950 26950 26950 35600 35600 35600 35600
Apply Now LOW INCOME 43100 43100 43100 43100 56900 56900 56900 56900
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Gibson County, TN
VERY LOW INCOME 25550 25550 25550 25550 33750 33750 33750 33750
Apply Now LOW INCOME 40900 40900 40900 40900 54000 54000 54000 54000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Giles County, TN
VERY LOW INCOME 26200 26200 26200 26200 34600 34600 34600 34600
Apply Now LOW INCOME 41900 41900 41900 41900 55300 55300 55300 55300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Greene County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Grundy County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hancock County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hardeman County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hardin County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Haywood County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Henderson County, TN
VERY LOW INCOME 25300 25300 25300 25300 33400 33400 33400 33400
Apply Now LOW INCOME 40500 40500 40500 40500 53450 53450 53450 53450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Henry County, TN
VERY LOW INCOME 25150 25150 25150 25150 33200 33200 33200 33200
Apply Now LOW INCOME 40250 40250 40250 40250 53150 53150 53150 53150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Houston County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Humphreys County, TN
VERY LOW INCOME 28800 28800 28800 28800 38050 38050 38050 38050
Apply Now LOW INCOME 46100 46100 46100 46100 60850 60850 60850 60850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Jackson County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Johnson County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lake County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lauderdale County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lawrence County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lewis County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lincoln County, TN
VERY LOW INCOME 28200 28200 28200 28200 37250 37250 37250 37250
Apply Now LOW INCOME 45100 45100 45100 45100 59550 59550 59550 59550
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Marshall County, TN
VERY LOW INCOME 28700 28700 28700 28700 37900 37900 37900 37900
Apply Now LOW INCOME 45900 45900 45900 45900 60600 60600 60600 60600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McMinn County, TN
VERY LOW INCOME 26200 26200 26200 26200 34600 34600 34600 34600
Apply Now LOW INCOME 41900 41900 41900 41900 55300 55300 55300 55300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
McNairy County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Meigs County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Monroe County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Moore County, TN
VERY LOW INCOME 31050 31050 31050 31050 41000 41000 41000 41000
Apply Now LOW INCOME 49700 49700 49700 49700 65600 65600 65600 65600
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Obion County, TN
VERY LOW INCOME 25700 25700 25700 25700 33950 33950 33950 33950
Apply Now LOW INCOME 41100 41100 41100 41100 54250 54250 54250 54250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Overton County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Perry County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Pickett County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Putnam County, TN
VERY LOW INCOME 25200 25200 25200 25200 33300 33300 33300 33300
Apply Now LOW INCOME 40300 40300 40300 40300 53200 53200 53200 53200
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Rhea County, TN
VERY LOW INCOME 25100 25100 25100 25100 33150 33150 33150 33150
Apply Now LOW INCOME 40150 40150 40150 40150 53000 53000 53000 53000
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Scott County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sevier County, TN
VERY LOW INCOME 29250 29250 29250 29250 38650 38650 38650 38650
Apply Now LOW INCOME 46800 46800 46800 46800 61800 61800 61800 61800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Stewart County, TN
VERY LOW INCOME 27850 27850 27850 27850 36800 36800 36800 36800
Apply Now LOW INCOME 44550 44550 44550 44550 58800 58800 58800 58800
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Van Buren County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Warren County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Wayne County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Weakley County, TN
VERY LOW INCOME 27050 27050 27050 27050 35750 35750 35750 35750
Apply Now LOW INCOME 43300 43300 43300 43300 57150 57150 57150 57150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
White County, TN
VERY LOW INCOME 25050 25050 25050 25050 33100 33100 33100 33100
Apply Now LOW INCOME 40100 40100 40100 40100 52950 52950 52950 52950
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

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