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Clay County, Tennessee Federal Loan Information

The 2019 $0 down, Federal home loan limit for Clay County is $ 314,827.

If you are looking for a quiet place to settle down, then you will love the beautiful area of Clay County. Enjoy the tranquil settings of the local landscape at any of the beautiful outdoor attractions, including several parks and waterways. See amazing early American architecture at any of the amazing historical landmarks in the county. An excellent education is assured to all children and young adults, thanks to the great schools in the area. Clay County was officially founded in 1870 and was named after Henry Clay, who served on the United States Senate. The current population of the county is 7,703.

Visit any of the beautiful outdoor attractions in Clay County for the chance to see amazing local wildlife! The majestic Standing Stone State Park is partly located in the county and is home to miles of scenic trails, perfect for hiking, biking, and bird watching. Offering great views of the local landscape, Standing Stone State Park is the perfect place for camping. Standing Stone Lake is just one of the beautiful waterways in the area and is a great place for fishing, boating, swimming, and more. For some of the best canoeing and kayaking opportunities, visit the scenic Cumberland River. The county is home to many beautiful areas for camping, including Holly Creek Resort & Cabins.

Clay County always offers a great way to have fun, featuring a variety of local attractions and events. The Cedar Hill Resort is the perfect place to relax, featuring beautiful cabins, canoe rentals, and some of the best views! The County Fair is a local favorite that can’t be missed, featuring great food, fun games, live entertainment, and much more! Be sure to attend Homecoming Days, which is held at the County Museum and features arts and crafts, great food, and more. Homecoming Days is the oldest festival held in the county.

Clay County offers an excellent education all local children and young adults! The local school district only hires the friendliest and most qualified teachers and administrators. Those looking for a quiet place to study will enjoy the great libraries in the area. A variety of afterschool programs are available for children of all ages to join, including sports, art programs, music programs, and more. Be sure to attend all the exciting events hosted by the local schools!


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Clay County Property Search

Celina, Arcot, Beech Bethany, Brimstone, Butler’s Landing, Denton Crossroads, Free Hill, Hamilton Branch, Hermitage Springs, Lily Dale, Maple Grove, Moss, Neely Crossroads, Oak Grove, Pea Ridge, Shanky Branch

37150, 38541, 38551, 38562, 38568, 38575, 38588

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Clay County Condo Search

For a list of great condos available in the area, call FedHome Loan Centers.


Clay County Loan Limits

FHA: $314,827

VA: $484,350

USDA: $251,862


FHA Loan Limits

One-Unit: $314,827

Two-Units: $403,125

Three-Units: $487,250

Four-Units: $605,525


USDA Loans

Very Low Income: $26,250

Low Income: $42,000

Mod. Income Guar Loan: $86,850 

USDA Eligible zip codes in the county are: 38551, 38575