FHA Loan Requirements in Nashville, Tennessee for 2025: Everything You Need to Know


 FHA Loan Requirements in Nashville, Tennessee

Are you considering buying a home in Nashville in 2025? Whether you're a first-time buyer or a local real estate investor, FHA loans remain one of the most accessible financing options in Middle Tennessee. At Shop Rates, your trusted mortgage lender in Nashville, we're here to simplify the process and help you understand what it takes to qualify for an FHA loan in today’s market.

What is an FHA Loan?

FHA loans are insured by the Federal Housing Administration and designed to make homeownership more accessible, especially for buyers with lower credit scores or limited down payments. They're a popular choice in Davidson County and throughout the greater Nashville area due to their flexible lending guidelines.

Key FHA Loan Requirements in Nashville

Here are the core requirements to qualify for an FHA loan through Shop Rates in 2025:

  • Minimum Credit Score: 580 to qualify with a 3.5% down payment. If your score is between 500–579, a 10% down payment may be required.

  • Down Payment: As low as 3.5% of the purchase price, which can be gifted by a family member or sourced from a down payment assistance program.

  • Debt-to-Income Ratio (DTI): Generally must be below 43%, although some exceptions apply.

  • Primary Residence: You must occupy the home as your primary residence.

  • Property Standards: The home must meet HUD’s minimum standards for safety and livability.

FHA Loans Are Perfect for Nashville Buyers

Nashville’s real estate market continues to grow, but affordability remains a concern—especially for first-time buyers. FHA loans offer a way to compete in the local market without the steep upfront costs associated with conventional loans.

Whether you're buying a charming bungalow in East Nashville, a new build in Antioch, or a multifamily property in North Nashville, FHA loans offer the flexibility you need to get started.

Why Work with Shop Rates?

We’re more than just a mortgage lender—we’re a local team that understands Nashville’s unique housing market. Located at:

📍 3511 Gallatin Pike Suite 317, Nashville, TN 37207
📞 Call us at (888) 396-7284
🌐 Learn more at: https://shoprates.com

Our mission is to make lending clear, fast, and personalized.

Stay Connected

Follow us for more mortgage tips, rate updates, and homebuyer tools:

Ready to Take the First Step?

If you're thinking about buying a home or investing in property in Nashville this year, now is the time to explore your FHA loan options.

👉 Apply now or reach out for a personalized consultation.
We’re here to help you unlock the doors to your next home.

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