What is the 2026 FHA loan limit in Clarksville?

$541,287 for a one-unit home in Montgomery County, the national FHA floor.

Is there a VA loan limit in Clarksville?

Not with full entitlement. If part of your entitlement is in use, the county limit is used to work out how much you can borrow with no down payment.

Can I keep my Clarksville home as a rental after a PCS move?

Usually yes. VA loans require you to move in, but you can generally rent the home out later. A DSCR loan can also finance additional rentals on rental income.

Is Nick Grisanti licensed to lend in Clarksville?

Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.

Montgomery County · Tennessee

Mortgages in Clarksville.

Nick Grisanti

Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

VA, FHA, conventional and rental property loans in Clarksville and Montgomery County, from 100+ wholesale lenders through C2 Financial Corporation.

$541,2872026 FHA limit, Montgomery County
100+Wholesale lenders

Step 1 of 4

What can we help you with?

A few details

Credit score, roughly

When are you hoping to close?

Main income type

First home you've bought?

Monthly debt payments (car, student, cards)

Served in the military? (optional)

How will it be rented?

How do you know the rent?

Expected gross rent per month

Prepayment penalty you could accept

How would you document income?

Renovation budget

Value after renovation (estimate)

Plan when it's done

The lot

Lot value (estimate)

Construction budget

Plans and permits

Who is building it?

When it's finished, you'll

Buying in your name or an LLC?

Projects in the last 3 years

Include taxes and insurance in the monthly payment?

Loan amount, if you know it

2026

Clarksville by the numbers

Clarksville sits beside Fort Campbell, so VA loans are a big part of this market. Eligible veterans and service members with full entitlement have no VA loan limit.

FHA · 1 unit · Montgomery County $541,287 The national floor, which covers most purchase prices here.

Conforming · 1 unit $832,750 Loans above this are jumbo loans.

Median sale price $315,000 City of Clarksville, three months ending September 2026 (Redfin).

Property tax $3.02 Per $100 of assessed value for tax year 2025: City $0.92 plus Montgomery County $2.10. Homes are assessed at 25% of appraised value.

Income tax None on wages Tennessee has no state income tax on wages, which helps your debt-to-income ratio.

Closing $0.37 + $0.115 Tennessee transfer tax is $0.37 per $100 of price; mortgage tax is $0.115 per $100 of the loan above the first $2,000.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Clarksville should know

Military VA with no loan limit Veterans and service members with full entitlement have no VA loan limit. If you PCS out later, you can often keep the home as a rental. VA loans → First-time buyers City homebuyer program Clarksville's First Time Homebuyers Program offers up to $25,000 to qualifying low-income buyers in city limits, subject to funding and HUD limits. City program → Short-term rentals STR operating permit Clarksville requires a $150 short-term rental operating permit with proof of insurance, paid taxes and business licenses. Some single-unit operators are exempt. City permits → First-time buyers THDA Great Choice Tennessee Housing Development Agency's 30-year fixed loan (640+ credit, income and price limits by county), with down payment help of $6,000 to $15,000 through Great Choice Plus. THDA programs → Investors Rental property in Clarksville A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Clarksville. How DSCR works →

About Clarksville

Living and buying in Clarksville

Fort Campbell, home of the 101st Airborne Division, drives much of Clarksville's economy. Montgomery County's other major employers include Amazon, Hankook Tire, Trane and LG Electronics.

Frequent military moves keep both purchase and rental demand steady, which is why many Clarksville homes are bought with VA loans and later kept as rentals.

Neighborhoods

Where buyers look

Downtown Clarksville
Park Lane
Sango

Schools: Clarksville-Montgomery County School System. Check the district for any specific address before you buy.

Loans in Clarksville

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Clarksville home you'll live in, with local down payment help. FHA in Clarksville → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Clarksville rental on the property's rental income. DSCR in Clarksville → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Clarksville mortgage FAQ

What is the 2026 FHA loan limit in Clarksville?: $541,287 for a one-unit home in Montgomery County, the national FHA floor.
Is there a VA loan limit in Clarksville?: Not with full entitlement. If part of your entitlement is in use, the county limit is used to work out how much you can borrow with no down payment.
Can I keep my Clarksville home as a rental after a PCS move?: Usually yes. VA loans require you to move in, but you can generally rent the home out later. A DSCR loan can also finance additional rentals on rental income.
Is Nick Grisanti licensed to lend in Clarksville?: Yes. Nick is licensed as a Mortgage Loan Originator in Tennessee (TN #2719729), and loans are originated through C2 Financial Corporation, NMLS #135622.