Veterans with full entitlement have no VA loan limit in Tennessee. With reduced entitlement, 2026 county limits in Tennessee range from $832,750 to $1,029,250 (Cannon County).
How VA limits work
Since 2020, the VA does not cap loans for borrowers with full entitlement. If you have an active VA loan, or a past one whose entitlement wasn’t restored (reduced entitlement), the VA guarantees up to 25% of the county limit minus the entitlement already used. Above that, you may need a down payment.
2026 county limits in Tennessee (reduced entitlement)
| County | VA / conforming limit | FHA limit |
|---|---|---|
| Cannon County | $1,029,250 | $1,029,250 |
| Cheatham County | $1,029,250 | $1,029,250 |
| Davidson County | $1,029,250 | $1,029,250 |
| Dickson County | $1,029,250 | $1,029,250 |
| Hickman County | $1,029,250 | $1,029,250 |
| Macon County | $1,029,250 | $1,029,250 |
| Maury County | $1,029,250 | $1,029,250 |
| Robertson County | $1,029,250 | $1,029,250 |
| Rutherford County | $1,029,250 | $1,029,250 |
| Smith County | $1,029,250 | $1,029,250 |
| Sumner County | $1,029,250 | $1,029,250 |
| Trousdale County | $1,029,250 | $1,029,250 |
| Williamson County | $1,029,250 | $1,029,250 |
| Wilson County | $1,029,250 | $1,029,250 |
| Anderson County | $832,750 | $541,287 |
| Bedford County | $832,750 | $541,287 |
| Benton County | $832,750 | $541,287 |
| Bledsoe County | $832,750 | $541,287 |
| Blount County | $832,750 | $541,287 |
| Bradley County | $832,750 | $541,287 |
| Campbell County | $832,750 | $541,287 |
| Carroll County | $832,750 | $541,287 |
| Carter County | $832,750 | $541,287 |
| Chester County | $832,750 | $541,287 |
| Claiborne County | $832,750 | $541,287 |
| Clay County | $832,750 | $541,287 |
| Cocke County | $832,750 | $541,287 |
| Coffee County | $832,750 | $541,287 |
| Crockett County | $832,750 | $541,287 |
| Cumberland County | $832,750 | $541,287 |
| DeKalb County | $832,750 | $541,287 |
| Decatur County | $832,750 | $541,287 |
| Dyer County | $832,750 | $541,287 |
| Fayette County | $832,750 | $541,287 |
| Fentress County | $832,750 | $541,287 |
| Franklin County | $832,750 | $541,287 |
| Gibson County | $832,750 | $541,287 |
| Giles County | $832,750 | $541,287 |
| Grainger County | $832,750 | $541,287 |
| Greene County | $832,750 | $541,287 |
| Grundy County | $832,750 | $541,287 |
| Hamblen County | $832,750 | $541,287 |
| Hamilton County | $832,750 | $541,287 |
| Hancock County | $832,750 | $541,287 |
| Hardeman County | $832,750 | $541,287 |
| Hardin County | $832,750 | $541,287 |
| Hawkins County | $832,750 | $541,287 |
| Haywood County | $832,750 | $541,287 |
| Henderson County | $832,750 | $541,287 |
| Henry County | $832,750 | $541,287 |
| Houston County | $832,750 | $541,287 |
| Humphreys County | $832,750 | $541,287 |
| Jackson County | $832,750 | $541,287 |
| Jefferson County | $832,750 | $541,287 |
| Johnson County | $832,750 | $541,287 |
| Knox County | $832,750 | $541,287 |
| Lake County | $832,750 | $541,287 |
| Lauderdale County | $832,750 | $541,287 |
| Lawrence County | $832,750 | $541,287 |
| Lewis County | $832,750 | $541,287 |
| Lincoln County | $832,750 | $541,287 |
| Loudon County | $832,750 | $541,287 |
| Madison County | $832,750 | $541,287 |
| Marion County | $832,750 | $541,287 |
| Marshall County | $832,750 | $541,287 |
| McMinn County | $832,750 | $541,287 |
| McNairy County | $832,750 | $541,287 |
| Meigs County | $832,750 | $541,287 |
| Monroe County | $832,750 | $541,287 |
| Montgomery County | $832,750 | $541,287 |
| Moore County | $832,750 | $541,287 |
| Morgan County | $832,750 | $541,287 |
| Obion County | $832,750 | $541,287 |
| Overton County | $832,750 | $541,287 |
| Perry County | $832,750 | $541,287 |
| Pickett County | $832,750 | $541,287 |
| Polk County | $832,750 | $541,287 |
| Putnam County | $832,750 | $541,287 |
| Rhea County | $832,750 | $541,287 |
| Roane County | $832,750 | $541,287 |
| Scott County | $832,750 | $541,287 |
| Sequatchie County | $832,750 | $541,287 |
| Sevier County | $832,750 | $541,287 |
| Shelby County | $832,750 | $541,287 |
| Stewart County | $832,750 | $541,287 |
| Sullivan County | $832,750 | $541,287 |
| Tipton County | $832,750 | $541,287 |
| Unicoi County | $832,750 | $541,287 |
| Union County | $832,750 | $541,287 |
| Van Buren County | $832,750 | $541,287 |
| Warren County | $832,750 | $541,287 |
| Washington County | $832,750 | $541,287 |
| Wayne County | $832,750 | $541,287 |
| Weakley County | $832,750 | $541,287 |
| White County | $832,750 | $541,287 |
Source: FHFA 2026 conforming loan limits, which the VA uses as county limits; HUD CY2026 FHA limits. Not lending advice.
Frequently asked questions
Is there a VA loan limit in Tennessee?
Veterans with full entitlement have no VA loan limit in Tennessee. With reduced entitlement, 2026 county limits in Tennessee range from $832,750 to $1,029,250 (Cannon County).
What is the maximum VA loan for 2026?
No maximum with full entitlement. With reduced entitlement, the baseline county limit is $832,750, higher in high-cost counties.