FHA Approved Condos in Nashville (2026)

Last Updated: May 20, 2026

FHA-approved condos in Nashville are limited. Only the buildings that have completed HUD’s project review process qualify for FHA financing. As of 2026-05-20, HUD lists 38 currently-approved condominium projects in Davidson County under the HRAP/DELRAP approval methods. Buyers using FHA financing have a narrower building list than buyers using conventional or jumbo financing. However, FHA financing remains valuable for buyers who qualify. The lower down payment requirements (3.5 percent vs 5-20 percent conventional) and more flexible credit thresholds drive the appeal.

Among the 38 HUD-approved Davidson County projects, six are in granthammond.com’s curated condo inventory: The Viridian, Pullman, The Rhythm at Music Row, Hillmont Condominiums, Georgetown, and West End Lofts.

What Does “FHA Approved” Mean?

FHA approval is a building-level designation, not a unit-level designation. The Department of Housing and Urban Development maintains a list of condominium projects that have completed FHA’s project review covering owner-occupancy ratio, HOA financial health, master insurance coverage, reserves, and pending litigation. Only condos in approved buildings can be purchased with FHA-insured loans (which include FHA 203(b), FHA 203(k), and FHA Streamline refinance products).

A building’s FHA approval expires after three years and must be renewed. A building can lose FHA approval if its financial or operational status changes (for example, if owner-occupancy drops below the FHA threshold or if pending litigation exceeds the FHA tolerance). Always verify current status on the HUD-approved condominium lookup before relying on prior approval.

Currently FHA-Approved Davidson County Condos (HUD list, 2026-05-20)

The full HUD pull returned 38 currently-approved projects. The featured buildings below are the ones most relevant to typical buyer searches (urban high-rises, established mid-rises, and large new-construction developments). For the complete 38-project list with approval expiration dates, scroll to the supplemental section below.

Featured FHA-Approved Buildings

The Viridian

305 units, 31 stories, 415 Church Street, completed 2006. The Viridian is the most prominent FHA-approved high-rise in Downtown Nashville and the most common building for FHA-financed downtown condo purchases. HUD approval expires 04/11/2027.

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Pullman at Gulch Union

300 units, 1212 Demonbreun Street, delivered 2024. Pullman is the largest currently FHA-approved condo project in The Gulch. Active first-generation resale inventory plus remaining developer units. HUD approval expires 06/09/2028.

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The Rhythm at Music Row

105 units, 1510 Demonbreun Street. Mid-rise condo project on the Music Row corridor with consistent FHA-financed resale activity. HUD approval expires 03/27/2027.

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The Hillmont

120 units, Woodmont Boulevard, Green Hills. Established Green Hills condo project with consistent FHA-financed turnover. HUD approval expires 04/11/2027.

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(all data current as of 6/8/2026)

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Georgetown of Nashville

240 units across 23 buildings, 5025 Hillsboro Road. HUD records show the legal name as “5025 Hillsboro HOA”; AKA Georgetown of Nashville Condominium. Large garden-style condo community in Green Hills. HUD approval expires 12/23/2027.

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(all data current as of 6/8/2026)

Listing information deemed reliable but not guaranteed. Read full disclaimer.

West End Lofts

5-story mid-rise, 3014 Hendricks Street. Edgehill-area loft project on HUD’s most recent approval cycle. HUD approval expires 07/21/2028.

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(all data current as of 6/8/2026)

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Additional HUD-Approved Davidson County Condos Worth Knowing

The following projects are FHA-approved per HUD as of 2026-05-20 and may be relevant depending on the buyer’s neighborhood preference. Floor plans and pricing vary; ask Grant for current resale activity.

Project	Address	Units	HUD Expiration
Alloy	400 Herron Drive, 37210	82	07/08/2027
Eagle Ridge at the Reserve	320 Old Hickory Blvd, 37221	198	04/23/2028
Heritage Village	Heritage Drive, Madison 37115	193 townhomes	06/26/2027
Park at Melrose Heights	2197 Nolensville Road, 37211	152	05/31/2027
Solo East	Litton Avenue, 37216	121	12/07/2026
Silo House	1638 54th Ave N, 37209	103	06/05/2026 (renewal pending)
Harpeth Glen	6947 Highland Park Drive, 37205	60	04/10/2027
Patio Villa	Patio Villa Drive, 37214	80	05/13/2028
River Plantation Section Seven	1247 Gen. Geo. Patton Road, 37221	156	04/12/2027
Quail Valley	Trails End Lane, 37214	150 townhomes	09/07/2026 (renewal pending)
High View Flats	600 E Trinity Lane, 37207	66	10/18/2026
Dudley Park	1264 3rd Ave S, 37210	20 (Building 2)	04/09/2027
Brighton Village	Edmonson Pike, 37211	DELRAP	n/a
Wessex Towers	6666 Brookmont Terrace, 37205	DELRAP	n/a

Buildings Commonly Searched but Not Currently FHA-Approved

Several Downtown and Gulch buildings appear in older blog posts and third-party “FHA-approved” lists but are not in HUD’s current approved list as of 2026-05-20. Buyers searching for these buildings with FHA financing should expect to use conventional, jumbo, or FHA Single-Unit Approval instead:

• 505 Nashville (505 High Rise), not currently FHA-approved
• City Lights, not currently FHA-approved
• Icon in the Gulch, not currently FHA-approved
• Twelve Twelve | The Gulch, not currently FHA-approved
• Encore, not currently FHA-approved
• Bennie Dillon, not currently FHA-approved
• Cumberland Penthouse, not currently FHA-approved
• Four Seasons Private Residences, not currently FHA-approved (jumbo financing only)
• The Emory at Nashville Yards, not currently FHA-approved (jumbo financing only)
• Prime Nashville Yards, not currently FHA-approved (jumbo financing only)

If a building you want is not on HUD’s current list, see the FHA Single-Unit Approval section below, or evaluate the conventional and jumbo alternatives in the Condo Buying Guide.

FHA Financing Requirements for Nashville Condos

FHA financing requires both the borrower AND the building to qualify.

Borrower-side requirements:

• Minimum credit score 580 for 3.5 percent down (lower scores require 10 percent down)
• Debt-to-income ratio typically 43 percent or lower
• Stable employment history (typically 2 years documented)
• Property must be primary residence (FHA does not finance investment properties)
• Mortgage Insurance Premium (MIP) required for the life of the loan in most cases

Building-side requirements:

• Listed on HUD-approved condominium list, OR eligible for FHA Single-Unit Approval
• Owner-occupancy ratio meeting FHA thresholds (typically 50 percent or higher)
• HOA financial reserves meeting FHA standards
• No more than 10 percent of units owned by any single entity
• Master insurance policy meeting FHA coverage minimums
• No pending litigation that exceeds FHA tolerance

FHA Approved at a Glance

HUD-approved Davidson County condo projects (currently active): 38
Featured high-rise / urban buildings in the granthammond.com inventory that are FHA-approved: 6 (Viridian, Pullman, Rhythm at Music Row, Hillmont, Georgetown, West End Lofts)
Minimum FHA down payment: 3.5 percent (580+ credit score)
FHA loan limit Davidson County 2026 (one-unit): $1,029,250
Approval term: 3 years; renewal required
HUD source: entp.hud.gov/idapp/html/condlook.cfm
Last verified: 2026-05-20

Alternatives to FHA Financing

For buyers who want a building that is not FHA-approved, three alternatives apply:

Conventional financing (Fannie Mae / Freddie Mac)

Most Nashville condos qualify for conventional financing through a lender’s project review. Down payment minimums start at 5 percent for primary residence and 15 percent for investment property. Buildings like 505 Nashville, Four Seasons, Emory, and Prime are conventional-financing-eligible.

Jumbo financing

For loan amounts exceeding the 2026 Davidson County conforming loan limit ($1,029,250), jumbo financing covers the gap. Down payment minimums are typically 10-20 percent. Most Nashville luxury condos above $1 million require jumbo financing.

Cash purchases

Cash purchases bypass the building approval process entirely and are common at the high end of the Nashville condo market. Cash buyers can compete on speed of close and price flexibility, particularly for off-market and pre-construction inventory.

FHA Single-Unit Approval (Spot Approval)

In late 2019, FHA reinstated a single-unit approval program (commonly called Spot Approval) that allows individual units in non-FHA-approved buildings to qualify for FHA financing under specific conditions:

• Building must have at least 5 units
• No more than 10 percent of units in the building can have FHA-insured loans
• Building must meet certain financial and operational criteria
• Process takes approximately 30-60 days additional to a standard FHA timeline

Single-Unit Approval is useful for buyers in newer buildings (Emory, Prime, Four Seasons, 505) where the building does not have FHA project approval but the building’s financials would qualify. Engage your lender early to determine eligibility.

How to Verify Current FHA Status

The HUD condominium lookup is the only authoritative source. Search by:

• State (Tennessee)
• County (DAVIDSON)
• Status (Approved)

The lookup returns current approval status, approval expiration date, FHA concentration percentage, and document status. Always confirm before contract acceptance because approval status can change.

Nashville FHA Condo FAQs

How many condo buildings are FHA approved in Nashville?

HUD lists 38 currently-approved condo projects in Davidson County as of 2026-05-20 under the HRAP/DELRAP approval methods. The list includes downtown high-rises, Gulch new construction, Green Hills garden communities, and East Nashville mid-rises.

Can I buy any condo in Nashville with FHA financing?

Only if the building is on HUD’s approved condominium list, or qualifies under FHA Single-Unit Approval. Most newer luxury towers (Four Seasons, 505, Emory, Prime) are conventional or jumbo financing only. Pullman in The Gulch IS currently FHA-approved.

What is the FHA loan limit in Davidson County?

The FHA loan limit for a one-unit property in Davidson County for 2026 is $1,029,250, reflecting Nashville’s higher-cost-area designation. Loans above the limit require conventional or jumbo financing.

How does FHA approval expire?

FHA project approval expires three years after issuance and must be renewed by the building or HOA. Buildings can also lose approval if their financial or operational status changes. Always verify current status before contract acceptance.

Why are most newer Nashville luxury condos not FHA approved?

Developer or HOA discretion. The FHA approval process requires submission of HOA financials, insurance documents, and ongoing maintenance. Developers building toward a higher price point often choose not to pursue FHA approval because their target buyer profile uses conventional or jumbo financing. Notable exception: Pullman in The Gulch was approved by HUD in June 2025.

Can a condo become FHA approved after I buy it?

Yes. If the building’s HOA pursues FHA approval after your purchase, you would not benefit on your existing loan but could refinance or sell to FHA buyers in the future. Encourage your HOA board to pursue approval if a meaningful portion of resale buyers would benefit.

What is the difference between FHA approval and VA approval?

VA loans (for veterans) require similar building-level approval. The VA approved condominium list is separate from the FHA list, though many buildings are approved by both. Verify both lists if eligible for VA financing.

Can I use FHA Single-Unit Approval for any Nashville condo?

Subject to FHA criteria (building size 5+ units, owner-occupancy thresholds, financial health). Engage your lender early to determine eligibility. The Single-Unit Approval process adds 30-60 days to the standard timeline. Single-Unit Approval is most relevant for buildings with strong financials but no project-level FHA filing (for example, Prime, 505, Four Seasons).

Related Nashville Condo Hubs

• Nashville Airbnb condos: NOOSTR-eligible buildings (Hyve and Allegro).
• Nashville luxury high-rise condos: Buildings averaging above $1.25M.
• How to buy a condo in Nashville: Full 8-step buyer process.
• Nashville condo prices by neighborhood: Verified MLS data across 12 neighborhoods.
• Nashville new construction condos: Delivered 2023-2025 and pre-construction.

Work With a Nashville FHA Condo Specialist

Grant Hammond is a Nashville real estate broker at Compass RE with 25 years of experience and over 1 billion dollars in career sales. His direct experience covers the FHA-approved buildings on HUD’s current list (including Viridian, Pullman, Rhythm at Music Row, Hillmont) plus the conventional and jumbo financing process for the broader Nashville condo market. To discuss FHA financing for a Nashville condo, evaluate FHA-approved buildings against conventional alternatives, or pursue FHA Single-Unit Approval for a non-approved building, contact Grant directly at (615) 945-7123.

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Compass RE compensation disclosure: Broker fees are not set by law and are fully negotiable.