Mortgage lender in Davidson County, TN

Buying in Davidson County

Davidson County is consolidated with Nashville, its county seat, and also includes Belle Meade, Berry Hill, Forest Hills, Goodlettsville and Oak Hill. Davidson County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Tennessee, from our Southampton, PA office.

2026 conforming limit

$1,029,250 (high-cost area)

2026 FHA limit

$1,029,250 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Tennessee Housing Development Agency (THDA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Davidson County is designated a high-cost area for conforming loans, so its limit is above the national baseline of $832,750. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Davidson County: Nashville

Nashville’s close-in neighborhoods, including East Nashville, Germantown, 12 South and The Nations, have seen heavy infill, often two tall houses on one former lot, sold as a small condominium-style development. Lenders review how those are set up, so tell us what the listing says. Downtown and the Gulch have high-rise condominiums, where the building is reviewed along with the buyer.

Short-term rental permits are restricted by zoning here, and a property bought to rent by the night is an investment loan, so tell us how you will use it. Many buyers work in music, entertainment or for themselves; self-employed income is taken from tax returns after expenses. Antioch, Madison and Hermitage have the more moderate prices.

Davidson County by the numbers

Median home value

$417,400 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.60% of home value a year: median tax bill $2,506 on a median value of $417,400 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Realty transfer tax of 37 cents per $100 of the price (Tennessee Department of Revenue, recordation taxes)

Largest communities

Nashville-Davidson, Goodlettsville, Forest Hills, Oak Hill (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $417,400. The 2026 one-unit conforming loan limit here is $1,029,250 and the FHA limit is $1,029,250.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Tennessee

Closings in Tennessee are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Tennessee page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Davidson County buyers ask

Limits shown are the 2026 FHFA and HUD figures for Davidson County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.