White House is where our office is. Not a satellite, not a service area we added to a list — 405 Charlie Place is about five minutes from most of the subdivisions on this page. When you call, you get someone who has driven the roads, knows which side of town is in which county, and has closed loans on these streets.
White House by the numbers
| County | Sumner & Robertson |
|---|---|
| ZIP code(s) | 37188 |
| Median sale price | $375,475 2026 year-to-date closings, Greater Nashville REALTORS® |
| Population | 17,872 U.S. Census Bureau, July 1 2025 estimate |
| Growth | +37.3% since the 2020 Census — the fastest growth of any city we serve |
| Median household income | $90,019 |
| USDA $0-down eligibility | Broadly eligible |
| Schools | Sumner County Schools (Harold B. Williams Elementary, White House Intermediate, White House Middle, White House High) on the Sumner side; Robertson County Schools (Robert F. Woodall Elementary, White House Heritage Elementary, White House Heritage High) on the Robertson side. |
The thing most lenders get wrong about White House
The city line runs across two counties. The northern and western parts of town sit in Robertson County; the eastern and southern parts sit in Sumner County. Two addresses three streets apart can land in different counties.
That matters more than people expect. It changes your property tax rate, which changes your escrow, which changes the monthly payment you actually qualify for. It changes your school zone — White House High versus White House Heritage High. And it can change whether a property sits in a USDA-eligible area.
An out-of-state call center quoting you a payment will use a county-average tax rate and be wrong. We price the actual parcel. On a $375,000 house, guessing the tax line can move the payment by real money — enough to change your approval.
Loan programs that fit White House
- USDA Rural Development — $0 down. ZIP 37188 has no significant USDA exclusion zones, which means a large share of White House is eligible for 100% financing. This is the single most under-used program in town. Most buyers here have never been told they qualify.
- FHA — 3.5% down. On the $375,475 median that is about $13,142 down. Flexible on credit.
- Conventional — 3% to 5% down. Sumner and Robertson are both inside the Nashville MSA, so the 2026 conforming limit here is $1,029,250, not the $832,750 national baseline. Nothing in White House comes close to that ceiling, so conforming pricing is available on essentially every house in town.
- VA — $0 down. Fort Campbell is about an hour west and plenty of families settle here.
- THDA Great Choice. Both counties fall under the $500,000 acquisition limit, and parts of Robertson County are federally targeted, which waives the first-time buyer requirement entirely. Worth checking before you assume you don't qualify.
What it actually takes to get into a home in White House
Run against the local median sale price of $375,475. These are down payments only — closing costs are separate, though seller credits and lender credits often cover a large share of them.
| Program | Down payment | On $375,475 | Notes |
|---|---|---|---|
| USDA | 0% | $0 | Property must be in an eligible area and you must be under the income limit |
| VA | 0% | $0 | Eligible service members, veterans and surviving spouses. No monthly mortgage insurance |
| Conventional 3% | 3% | $11,264 | First-time buyer programs; mortgage insurance drops off at 20% equity |
| FHA | 3.5% | $13,142 | Most flexible on credit |
| Conventional 5% | 5% | $18,774 | Lower mortgage insurance than 3% |
| Conventional 20% | 20% | $75,095 | No mortgage insurance at all |
Illustrative only, based on the median sale price shown above. Your actual figures depend on the purchase price, your credit profile, the property, and the program. This is not a commitment to lend.
Who I help in White House
A family moving up from a rental in Robertson County
They assumed they needed 20% down. The address turned out to be USDA eligible, which meant $0 down and a payment close to what they were paying in rent.
A buyer under contract on a new build in Springbrook
The builder's lender quoted an incentive. We priced the same loan three ways and showed the five-year cost of each side by side.
A homeowner on the Sumner side with a paid-down FHA loan
Equity had grown past 20%. Refinancing to conventional removed the FHA mortgage insurance premium for good.
Neighborhoods we lend in
- Springbrook & Springbrook Reserve
- Bridle Creek
- Settlers Ridge
- Morgan Trace
- Country Meadows
- Dorris Farm
- Moss Farm
Not on the list? It does not matter — these are just the ones that come up most. We lend on any residential property in White House and throughout Sumner & Robertson County.
Refinancing in White House
The refinance conversation in White House usually starts with mortgage insurance, not rate. A lot of buyers here got in with FHA or a low-down conventional loan during the growth surge. With the city up 37% since 2020 and values along with it, many of those loans now sit well past 20% equity — which means the mortgage insurance being paid every month is no longer buying anything.
Refinancing from FHA to conventional removes that premium permanently. That alone is often the entire reason to do it, independent of where rates are. Bring me your current statement and I will tell you where your equity actually stands.
Cash-out refinancing in White House
Cash-out is common here for exactly one reason: people bought before the run-up. A home purchased in White House in 2019 or 2020 has, in many cases, appreciated substantially against a loan balance that has been steadily shrinking. That gap is real money.
Most conventional cash-out programs go to 80% of the home's value; VA cash-out can go higher for eligible borrowers. The usual local uses are consolidating higher-interest debt, finishing a basement or adding on rather than trying to buy up in a tight market, and covering a truck or equipment purchase at mortgage rates instead of consumer rates.
The question I will ask you first is what the new blended rate does to your total cost. If you are sitting on a low first mortgage, replacing it to pull cash may be the wrong move. I would rather tell you that than write the loan.
Have a specific White House address in mind? Send it over and I will confirm the county, the tax picture, and whether it qualifies for $0-down financing — usually the same day.
Get My Instant Quote or call 615-881-6927White House mortgage questions
Is my White House address in Sumner or Robertson County?
It depends on the street, and sometimes on which side of it you are on. The split affects your property tax rate, your school zone, and possibly your USDA eligibility. Send me the address and I will confirm all three before you write an offer.
Can I really buy a home in White House with no money down?
Often, yes. ZIP 37188 has no significant USDA exclusion zones, so a large share of White House qualifies for USDA Rural Development financing at 100% loan-to-value. VA does the same for eligible service members and veterans. Eligibility is determined address by address, so send me the property and I will check it the same day.
How much do I need for a down payment on a typical White House home?
The 2026 year-to-date median sale price is $375,475 (Greater Nashville REALTORS). At 3.5% down for FHA that is roughly $13,142. At 3% conventional it is roughly $11,264. With USDA or VA it can be $0. Closing costs are separate, though seller credits and lender credits often cover much of them.
White House has grown fast. Does that affect my appraisal?
It can. The city grew 37.3% between 2020 and 2025, and with that much new construction the comparable sales an appraiser picks matter more than usual. New builds in a phase that is still selling can appraise differently than resales two streets over. This is one of the reasons working with a broker who knows the local subdivisions is worth something.
Do you handle the loan yourself, or hand me off?
I process my own loans. The person you talk to on the first phone call is the same person handling your file at the closing table. No call center, no rotating processors.
Other areas we serve
- Hendersonville, TN
- Gallatin, TN
- Springfield, TN
- Portland, TN
- Goodlettsville, TN
- Nashville, TN
- Clarksville, TN
Sources and data notes. Median sale price: Greater Nashville REALTORS® 2026 year-to-date closings. Population and income: U.S. Census Bureau QuickFacts, July 1 2025 estimate and 2020–2024 ACS. Loan limits: FHFA and HUD Mortgagee Letter 2025-23, effective January 1 2026. THDA limits: THDA acquisition and income limits chart effective August 1 2026. USDA eligibility is determined address by address at eligibility.sc.egov.usda.gov. Figures are current as of publication and change over time. Nothing on this page is a commitment to lend or an offer to extend credit. All loans are subject to credit approval.