First-time and low down payment · Murfreesboro

FHA loans in Murfreesboro.

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

Low down payment and flexible credit for a Murfreesboro home you'll live in, with 2026 Rutherford County limits and local down payment help.

  • $1,029,2502026 FHA limit, 1 unit
  • 3.5%Minimum down
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The basics

FHA in Murfreesboro

2026 · Rutherford County $1,029,250 FHA limit for a one-unit home. Two- to four-unit homes have higher limits.
Down payment 3.5% The FHA minimum with a 580+ credit score. Lenders set their own score minimums.
Mortgage insurance Upfront + annual FHA charges an upfront premium (usually financed) and an annual premium paid monthly.
Occupancy Primary home FHA is for a home you'll live in, including a two- to four-unit home where you live in one unit.

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.

Help with the down payment

Programs to ask about

Questions

FHA loans in Murfreesboro: FAQ

What is the 2026 FHA loan limit in Murfreesboro?
$1,029,250 for a one-unit home in Rutherford County.
What credit score do I need for an FHA loan?
FHA allows 3.5% down with a 580 score, but most lenders set their own minimums. Nick compares lenders to find one that fits your file.
Can I combine FHA with down payment assistance in Murfreesboro?
Often, yes. Many state and local programs are built to sit behind an FHA first mortgage. Each has its own income and price limits.
Can I buy a duplex with an FHA loan?
Yes, if you live in one of the units. FHA covers one- to four-unit homes, and the rent from the other units can help you qualify.
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