2026 loan limits
Franklin, TN loan limits: 2026 conforming and FHA context
How 2026 conforming and FHA loan-limit figures organize conventional, jumbo, and FHA questions without determining eligibility.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
The local figures answer the first question: Franklin, TN is connected to Williamson County for this 2026 source comparison. For borrower planning, the published one-unit conforming limit is $1,029,250, while the published one-unit FHA limit is $1,029,250. Those figures organize different program categories; $1,029,250 is not a conventional loan offer, and $1,029,250 is not an FHA eligibility finding. For Franklin, TN, starting with Williamson County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Franklin, TN still need to confirm the selected property's location and legal unit count, because the relevant Williamson County row follows the property in place of the city label or mailing address alone. Around Franklin, TN, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep Williamson County as Franklin, TN's confirmed county row before comparing the $1,029,250 and $1,029,250 program boundaries.
For a decision in Franklin, TN, Williamson County's conforming limit rises from $1,029,250 for one unit to $1,979,350 for four units, while the FHA figures move from $1,029,250 to $1,979,350.