StacksVerified U.S. regulatory reference

5 CFR §1655.6

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov
  1. (a)Minimum amount. The initial principal amount of any loan may not be less than $1,000.
  2. (b)Maximum amount. The principal amount of a new loan must be less than or equal to the smallest of the following:
    1. (1)The portion of the participant's individual account balance that is attributable to employee contributions and attributable earnings (not including any outstanding loan principal);
    2. (2)50 percent of the participant's vested account balance that is attributable to employee contributions and attributable earnings (including any outstanding loan balance) or $10,000, whichever is greater, minus any outstanding loan balance; or
    3. (3)$50,000 minus the participant's highest outstanding loan balance (if any) during the last 12 months.
  3. (c)If a participant has both a civilian TSP account and a uniformed services TSP account, the maximum loan amount available will be based on a calculation that takes into consideration the account balances and outstanding loan balances for both accounts.
  4. (d)Any amount invested through the mutual fund window at the time the participant makes a loan request will not be considered for purposes of determining either the minimum or maximum loan amounts.