Mortgage lender in Montgomery County, TN

Buying in Montgomery County

Montgomery County, with its county seat in Clarksville, sits on the Kentucky line and includes the communities of Sango, St. Bethlehem and Woodlawn. Montgomery 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

$832,750

2026 FHA limit

$541,287 (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. Montgomery County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Montgomery County: Clarksville and Fort Campbell

Fort Campbell, home of the 101st Airborne Division, straddles the Tennessee and Kentucky line beside Clarksville, and VA loans are the most common way to buy here. Many buyers are on orders with a fixed report date, so we request the Certificate of Eligibility at once and start the appraisal early.

New construction is constant, and builders here are used to VA buyers. Prices are moderate. Service members who bought here before sometimes keep the home as a rental when they move; whether your VA entitlement is still tied to an earlier home affects the next purchase, so tell us what you own. Along the Cumberland and Red rivers, some properties are in a mapped flood zone.

Montgomery County by the numbers

Median home value

$280,200 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.61% of home value a year: median tax bill $1,697 on a median value of $280,200 (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)

The county median home value is $280,200. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

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 Montgomery County buyers ask

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