VA loans in Clarksville.
The Montgomery County figure on this page is a county reference only, not an address-based lookup for Clarksville. Confirm the property's county, and which local offices serve the address, before relying on it.
Montgomery County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Montgomery County (FIPS 47125)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Montgomery County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Clarksville. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionClarksville: homeowners cannot pull plumbing or gas permits, and surveys are required for permanent structures
The City of Clarksville says a homeowner may get a permit for work on their own primary single-family home, with proof of insurance and a notarized Homeowner Affidavit. Homeowners may not obtain plumbing or mechanical/gas permits; a licensed contractor must pull those. Permanent structures need a stamped property survey or site plan with the application.
The City's permitting page says contractor submittals require a current license, insurance and workers' compensation documentation, and projects move through inspections to a certificate of occupancy where one applies. Practical step: if the home has a recent addition or new HVAC, ask the seller for the permit, the passed inspections and the certificate of occupancy.
Montgomery County disabled veteran tax relief: the 2026 filing window
The Montgomery County Trustee administers Tennessee's state-funded tax relief program for disabled veteran homeowners and certain surviving spouses. For qualifying applicants, the State pays all or part of the property taxes on the home, up to the maximum credit. Eligible disabilities include paraplegia, loss or loss of use of two or more limbs, legal blindness, and a total and permanent service-connected disability rating.
The Trustee says the application window opens November 1, 2026, and applications for the 2026 program must be filed by April 5, 2027. Applicants must own and use the home as their primary residence and show ID. Practical step: if you buy in Clarksville and may qualify, gather your VA rating documents and file with the Trustee at Veterans Plaza within that window.
- FHFA — Conforming loan limit values
- City of Clarksville Building & Codes — FAQs
- City of Clarksville Building & Codes — Permitting
- Montgomery County (TN) Trustee — Tax Relief for Disabled Veterans and Widow(er)s
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in TN.
$0 down in Clarksville. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of TN veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Clarksville, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Clarksville purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Clarksville — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Clarksville is Montgomery County (FIPS 47125), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Clarksville with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Clarksville — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.