FHA Loans in Murfreesboro, Tennessee

FHA in Murfreesboro's market

Murfreesboro has grown dramatically as Nashville's overflow market. Middle Tennessee State University (MTSU) drives significant rental demand and creates a steady stream of first-time buyers. The city's mix of new construction and established neighborhoods offers options across a range of price points.

FHA is particularly relevant for Murfreesboro buyers who are purchasing in the lower to mid price range, have credit scores below 680, or are making smaller down payments. Rutherford County's prices are generally lower than Davidson County, making FHA loan limits less of a constraint here than in Nashville proper.

FHA loan limits in Rutherford County

For 2026, the FHA single-family loan limit for Rutherford County is $524,225. Most Murfreesboro purchases fall within this limit, though buyers targeting newer construction in higher-priced subdivisions may approach it. Verify current limits with Morgan Hardy, as HUD adjusts them annually.

Buyers who exceed the FHA limit in Rutherford County should consider conventional financing. Rutherford County's prices are generally within the conforming loan limit, so conventional is available for most purchases above the FHA limit.

FHA and new construction in Murfreesboro

Murfreesboro has significant new construction activity. FHA financing is available for new construction, but the process differs slightly from existing home purchases — the builder must be FHA-approved, and the appraisal process for new construction has additional requirements. Morgan Hardy can walk you through the FHA new construction process for Murfreesboro builders.