FHA Loan Limits in Texas for 2024: Check Max Limits Instantly

fha loan limits texas
  • FHA loan limits determine the maximum amount you can borrow using an FHA loan, and they vary by county based on the median home prices in the area.
  • If you’re looking at homes that are priced higher than the FHA loan limit in your county, you may need to consider other financing options.
  • FHA loan limits can also affect your down payment requirements, so it’s important to stay up to date on the current loan limits in your county.
Table of Contents

FHA loans have limits on the amount you can borrow, which can vary by state and county. In Texas, the FHA loan limits vary by county, based on the median home prices in the area.

As of 2024, the FHA loan limits in Texas range from around $400,000 in some counties to over $800,000 in others.

These limits are higher in areas where home prices are generally higher, such as the Austin and Dallas metropolitan areas. The exact loan limit for your county will depend on where you’re looking to buy a home or refinance.

How FHA Loan Limits Work

FHA loan limits are set by the Federal Housing Administration and vary by county, based on the median home prices in the area. These limits determine the maximum amount you can borrow using an FHA loan, and they are adjusted annually to reflect changes in the housing market.

The FHA loan limits for each county are calculated using a formula that takes into account the area’s median home price, which is determined by the Department of Housing and Urban Development (HUD). In areas where home prices are generally higher, the FHA loan limits will also be higher. Conversely, in areas where home prices are lower, the FHA loan limits will be lower as well.

It’s important to note that FHA loan limits are just that – limits. You can still borrow less than the maximum amount allowed by the FHA, but you can’t borrow more. If you’re looking at homes that are priced higher than the FHA loan limit in your county, you may need to consider other financing options.

Something to also consider is that FHA loan limits can affect your down payment requirements. FHA loans generally require a minimum down payment of 3.5% of the purchase price, but if the home you’re looking at is priced near the FHA loan limit for your county, you may need to put down a larger down payment in order to stay within the loan limits.

Texas FHA Maximum Loan Amounts for 2024

If you’re considering an FHA loan in Texas, it’s important to stay up to date on the current loan limits in your county. To make things easier, we’ve compiled a table of the 2024 FHA loan limits for all Texas counties.

CountyCityOne-FamilyTwo-FamilyThree-FamilyFour-Family
ANDERSON COUNTYPALESTINE, TX$420,680$538,650$651,050$809,150
ANDREWS COUNTYANDREWS, TX$420,680$538,650$651,050$809,150
ANGELINA COUNTYLUFKIN, TX$420,680$538,650$651,050$809,150
ARANSAS COUNTYROCKPORT, TX$420,680$538,650$651,050$809,150
ARCHER COUNTYWICHITA FALLS, TX$420,680$538,650$651,050$809,150
ARMSTRONG COUNTYAMARILLO, TX$420,680$538,650$651,050$809,150
ATASCOSA COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
AUSTIN COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
BAILEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
BANDERA COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
BASTROP COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
BAYLOR COUNTYNON-METRO$420,680$538,650$651,050$809,150
BEE COUNTYBEEVILLE, TX$420,680$538,650$651,050$809,150
BELL COUNTYKILLEEN-TEMPLE, TX$420,680$538,650$651,050$809,150
BEXAR COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
BLANCO COUNTYNON-METRO$420,680$538,650$651,050$809,150
BORDEN COUNTYNON-METRO$420,680$538,650$651,050$809,150
BOSQUE COUNTYNON-METRO$420,680$538,650$651,050$809,150
BOWIE COUNTYTEXARKANA, TX-AR$420,680$538,650$651,050$809,150
BRAZORIA COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
BRAZOS COUNTYCOLLEGE STATION-BRYAN, TX$420,680$538,650$651,050$809,150
BREWSTER COUNTYNON-METRO$420,680$538,650$651,050$809,150
BRISCOE COUNTYNON-METRO$420,680$538,650$651,050$809,150
BROOKS COUNTYNON-METRO$420,680$538,650$651,050$809,150
BROWN COUNTYBROWNWOOD, TX$420,680$538,650$651,050$809,150
BURLESON COUNTYCOLLEGE STATION-BRYAN, TX$420,680$538,650$651,050$809,150
BURNET COUNTYNON-METRO$420,680$538,650$651,050$809,150
CALDWELL COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
CALHOUN COUNTYPORT LAVACA, TX$420,680$538,650$651,050$809,150
CALLAHAN COUNTYABILENE, TX$420,680$538,650$651,050$809,150
CAMERON COUNTYBROWNSVILLE-HARLINGEN, TX$420,680$538,650$651,050$809,150
CAMP COUNTYMOUNT PLEASANT, TX$420,680$538,650$651,050$809,150
CARSON COUNTYAMARILLO, TX$420,680$538,650$651,050$809,150
CASS COUNTYNON-METRO$420,680$538,650$651,050$809,150
CASTRO COUNTYNON-METRO$420,680$538,650$651,050$809,150
CHAMBERS COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
CHEROKEE COUNTYJACKSONVILLE, TX$420,680$538,650$651,050$809,150
CHILDRESS COUNTYNON-METRO$420,680$538,650$651,050$809,150
CLAY COUNTYWICHITA FALLS, TX$420,680$538,650$651,050$809,150
COCHRAN COUNTYNON-METRO$420,680$538,650$651,050$809,150
COKE COUNTYNON-METRO$420,680$538,650$651,050$809,150
COLEMAN COUNTYNON-METRO$420,680$538,650$651,050$809,150
COLLIN COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
COLLINGSWORTH COUNTYNON-METRO$420,680$538,650$651,050$809,150
COLORADO COUNTYNON-METRO$420,680$538,650$651,050$809,150
COMAL COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
COMANCHE COUNTYNON-METRO$420,680$538,650$651,050$809,150
CONCHO COUNTYNON-METRO$420,680$538,650$651,050$809,150
COOKE COUNTYGAINESVILLE, TX$420,680$538,650$651,050$809,150
CORYELL COUNTYKILLEEN-TEMPLE, TX$420,680$538,650$651,050$809,150
MCCULLOCH COUNTYNON-METRO$420,680$538,650$651,050$809,150
MENARD COUNTYNON-METRO$420,680$538,650$651,050$809,150
MILAM COUNTYNON-METRO$420,680$538,650$651,050$809,150
PARMER COUNTYNON-METRO$420,680$538,650$651,050$809,150
PECOS COUNTYNON-METRO$420,680$538,650$651,050$809,150
SWISHER COUNTYNON-METRO$420,680$538,650$651,050$809,150
TERRELL COUNTYNON-METRO$420,680$538,650$651,050$809,150
THROCKMORTON COUNTYNON-METRO$420,680$538,650$651,050$809,150
WILLIAMSON COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
BASTROP COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
BELL COUNTYKILLEEN-TEMPLE, TX$420,680$538,650$651,050$809,150
BOWIE COUNTYTEXARKANA, TX-AR$420,680$538,650$651,050$809,150
BROOKS COUNTYNON-METRO$420,680$538,650$651,050$809,150
BROWN COUNTYBROWNWOOD, TX$420,680$538,650$651,050$809,150
CALLAHAN COUNTYABILENE, TX$420,680$538,650$651,050$809,150
COKE COUNTYNON-METRO$420,680$538,650$651,050$809,150
CULBERSON COUNTYNON-METRO$420,680$538,650$651,050$809,150
DEAF SMITH COUNTYHEREFORD, TX$420,680$538,650$651,050$809,150
DIMMIT COUNTYNON-METRO$420,680$538,650$651,050$809,150
DONLEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
GAINES COUNTYNON-METRO$420,680$538,650$651,050$809,150
HARDIN COUNTYBEAUMONT-PORT ARTHUR, TX$420,680$538,650$651,050$809,150
HARRISON COUNTYLONGVIEW, TX$420,680$538,650$651,050$809,150
HENDERSON COUNTYATHENS, TX$420,680$538,650$651,050$809,150
JACK COUNTYNON-METRO$420,680$538,650$651,050$809,150
JEFF DAVIS COUNTYNON-METRO$420,680$538,650$651,050$809,150
JEFFERSON COUNTYBEAUMONT-PORT ARTHUR, TX$420,680$538,650$651,050$809,150
JONES COUNTYABILENE, TX$420,680$538,650$651,050$809,150
LAVACA COUNTYNON-METRO$420,680$538,650$651,050$809,150
MIDLAND COUNTYMIDLAND, TX$420,680$538,650$651,050$809,150
MONTGOMERY COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
NUECES COUNTYCORPUS CHRISTI, TX$420,680$538,650$651,050$809,150
REAL COUNTYNON-METRO$420,680$538,650$651,050$809,150
REEVES COUNTYPECOS, TX$420,680$538,650$651,050$809,150
ROBERTSON COUNTYCOLLEGE STATION-BRYAN, TX$420,680$538,650$651,050$809,150
SAN JACINTO COUNTYNON-METRO$420,680$538,650$651,050$809,150
TAYLOR COUNTYABILENE, TX$420,680$538,650$651,050$809,150
TITUS COUNTYMOUNT PLEASANT, TX$420,680$538,650$651,050$809,150
WHEELER COUNTYNON-METRO$420,680$538,650$651,050$809,150
BAILEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
BEXAR COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
BRAZOS COUNTYCOLLEGE STATION-BRYAN, TX$420,680$538,650$651,050$809,150
BRISCOE COUNTYNON-METRO$420,680$538,650$651,050$809,150
BURNET COUNTYNON-METRO$420,680$538,650$651,050$809,150
COMAL COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
COMANCHE COUNTYNON-METRO$420,680$538,650$651,050$809,150
CROCKETT COUNTYNON-METRO$420,680$538,650$651,050$809,150
DICKENS COUNTYNON-METRO$420,680$538,650$651,050$809,150
DUVAL COUNTYALICE, TX$420,680$538,650$651,050$809,150
ECTOR COUNTYODESSA, TX$420,680$538,650$651,050$809,150
EDWARDS COUNTYNON-METRO$420,680$538,650$651,050$809,150
EL PASO COUNTYEL PASO, TX$420,680$538,650$651,050$809,150
FORT BEND COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
FRANKLIN COUNTYNON-METRO$420,680$538,650$651,050$809,150
GARZA COUNTYNON-METRO$420,680$538,650$651,050$809,150
GRIMES COUNTYNON-METRO$420,680$538,650$651,050$809,150
HARRIS COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
HAYS COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
HOUSTON COUNTYNON-METRO$420,680$538,650$651,050$809,150
IRION COUNTYSAN ANGELO, TX$420,680$538,650$651,050$809,150
JACKSON COUNTYNON-METRO$420,680$538,650$651,050$809,150
JOHNSON COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
KINNEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
LLANO COUNTYNON-METRO$420,680$538,650$651,050$809,150
MCLENNAN COUNTYWACO, TX$420,680$538,650$651,050$809,150
MARION COUNTYNON-METRO$420,680$538,650$651,050$809,150
MASON COUNTYNON-METRO$420,680$538,650$651,050$809,150
MAVERICK COUNTYEAGLE PASS, TX$420,680$538,650$651,050$809,150
MORRIS COUNTYNON-METRO$420,680$538,650$651,050$809,150
MOTLEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
OCHILTREE COUNTYNON-METRO$420,680$538,650$651,050$809,150
ORANGE COUNTYBEAUMONT-PORT ARTHUR, TX$420,680$538,650$651,050$809,150
PANOLA COUNTYNON-METRO$420,680$538,650$651,050$809,150
ROBERTS COUNTYPAMPA, TX$420,680$538,650$651,050$809,150
SHELBY COUNTYNON-METRO$420,680$538,650$651,050$809,150
TOM GREEN COUNTYSAN ANGELO, TX$420,680$538,650$651,050$809,150
TYLER COUNTYNON-METRO$420,680$538,650$651,050$809,150
UPTON COUNTYNON-METRO$420,680$538,650$651,050$809,150
VAL VERDE COUNTYDEL RIO, TX$420,680$538,650$651,050$809,150
WALKER COUNTYHUNTSVILLE, TX$420,680$538,650$651,050$809,150
WILSON COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
WOOD COUNTYNON-METRO$420,680$538,650$651,050$809,150
ANDERSON COUNTYPALESTINE, TX$420,680$538,650$651,050$809,150
ANGELINA COUNTYLUFKIN, TX$420,680$538,650$651,050$809,150
ARCHER COUNTYWICHITA FALLS, TX$420,680$538,650$651,050$809,150
AUSTIN COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
BOSQUE COUNTYNON-METRO$420,680$538,650$651,050$809,150
CALHOUN COUNTYPORT LAVACA, TX$420,680$538,650$651,050$809,150
CASTRO COUNTYNON-METRO$420,680$538,650$651,050$809,150
CLAY COUNTYWICHITA FALLS, TX$420,680$538,650$651,050$809,150
COCHRAN COUNTYNON-METRO$420,680$538,650$651,050$809,150
COLORADO COUNTYNON-METRO$420,680$538,650$651,050$809,150
CORYELL COUNTYKILLEEN-TEMPLE, TX$420,680$538,650$651,050$809,150
GALVESTON COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
GLASSCOCK COUNTYNON-METRO$420,680$538,650$651,050$809,150
GRAY COUNTYPAMPA, TX$420,680$538,650$651,050$809,150
GUADALUPE COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
HALE COUNTYPLAINVIEW, TX$420,680$538,650$651,050$809,150
HALL COUNTYNON-METRO$420,680$538,650$651,050$809,150
HOWARD COUNTYBIG SPRING, TX$420,680$538,650$651,050$809,150
KENDALL COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
KNOX COUNTYNON-METRO$420,680$538,650$651,050$809,150
LA SALLE COUNTYNON-METRO$420,680$538,650$651,050$809,150
MILLS COUNTYNON-METRO$420,680$538,650$651,050$809,150
MITCHELL COUNTYNON-METRO$420,680$538,650$651,050$809,150
MOORE COUNTYDUMAS, TX$420,680$538,650$651,050$809,150
NOLAN COUNTYSWEETWATER, TX$420,680$538,650$651,050$809,150
PARKER COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
REAGAN COUNTYNON-METRO$420,680$538,650$651,050$809,150
SAN AUGUSTINE COUNTYNON-METRO$420,680$538,650$651,050$809,150
SAN SABA COUNTYNON-METRO$420,680$538,650$651,050$809,150
TARRANT COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
TERRY COUNTYNON-METRO$420,680$538,650$651,050$809,150
TRINITY COUNTYNON-METRO$420,680$538,650$651,050$809,150
WICHITA COUNTYWICHITA FALLS, TX$420,680$538,650$651,050$809,150
ARMSTRONG COUNTYAMARILLO, TX$420,680$538,650$651,050$809,150
BREWSTER COUNTYNON-METRO$420,680$538,650$651,050$809,150
CHAMBERS COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
COOKE COUNTYGAINESVILLE, TX$420,680$538,650$651,050$809,150
CROSBY COUNTYLUBBOCK, TX$420,680$538,650$651,050$809,150
ERATH COUNTYSTEPHENVILLE, TX$420,680$538,650$651,050$809,150
FRIO COUNTYPEARSALL, TX$420,680$538,650$651,050$809,150
GONZALES COUNTYNON-METRO$420,680$538,650$651,050$809,150
HARDEMAN COUNTYNON-METRO$420,680$538,650$651,050$809,150
HUTCHINSON COUNTYBORGER, TX$420,680$538,650$651,050$809,150
KARNES COUNTYNON-METRO$420,680$538,650$651,050$809,150
LIBERTY COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
LIMESTONE COUNTYNON-METRO$420,680$538,650$651,050$809,150
LIVE OAK COUNTYNON-METRO$420,680$538,650$651,050$809,150
LOVING COUNTYPECOS, TX$420,680$538,650$651,050$809,150
LUBBOCK COUNTYLUBBOCK, TX$420,680$538,650$651,050$809,150
MADISON COUNTYNON-METRO$420,680$538,650$651,050$809,150
MARTIN COUNTYMIDLAND, TX$420,680$538,650$651,050$809,150
MATAGORDA COUNTYBAY CITY, TX$420,680$538,650$651,050$809,150
MEDINA COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
MONTAGUE COUNTYNON-METRO$420,680$538,650$651,050$809,150
NACOGDOCHES COUNTYNACOGDOCHES, TX$420,680$538,650$651,050$809,150
RUNNELS COUNTYNON-METRO$420,680$538,650$651,050$809,150
SOMERVELL COUNTYNON-METRO$420,680$538,650$651,050$809,150
STEPHENS COUNTYNON-METRO$420,680$538,650$651,050$809,150
STONEWALL COUNTYNON-METRO$420,680$538,650$651,050$809,150
UPSHUR COUNTYLONGVIEW, TX$420,680$538,650$651,050$809,150
UVALDE COUNTYUVALDE, TX$420,680$538,650$651,050$809,150
VAN ZANDT COUNTYNON-METRO$420,680$538,650$651,050$809,150
WARD COUNTYNON-METRO$420,680$538,650$651,050$809,150
YOAKUM COUNTYNON-METRO$420,680$538,650$651,050$809,150
YOUNG COUNTYNON-METRO$420,680$538,650$651,050$809,150
ZAVALA COUNTYNON-METRO$420,680$538,650$651,050$809,150
CAMP COUNTYMOUNT PLEASANT, TX$420,680$538,650$651,050$809,150
CASS COUNTYNON-METRO$420,680$538,650$651,050$809,150
CHILDRESS COUNTYNON-METRO$420,680$538,650$651,050$809,150
COLLIN COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
CRANE COUNTYNON-METRO$420,680$538,650$651,050$809,150
DELTA COUNTYNON-METRO$420,680$538,650$651,050$809,150
FANNIN COUNTYBONHAM, TX$420,680$538,650$651,050$809,150
FISHER COUNTYNON-METRO$420,680$538,650$651,050$809,150
GILLESPIE COUNTYFREDERICKSBURG, TX$420,680$538,650$651,050$809,150
GRAYSON COUNTYSHERMAN-DENISON, TX$420,680$538,650$651,050$809,150
HAMILTON COUNTYNON-METRO$420,680$538,650$651,050$809,150
HANSFORD COUNTYNON-METRO$420,680$538,650$651,050$809,150
HARTLEY COUNTYNON-METRO$420,680$538,650$651,050$809,150
HOCKLEY COUNTYLEVELLAND, TX$420,680$538,650$651,050$809,150
HOOD COUNTYGRANBURY, TX$420,680$538,650$651,050$809,150
HUDSPETH COUNTYEL PASO, TX$420,680$538,650$651,050$809,150
HUNT COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
KENEDY COUNTYKINGSVILLE, TX$420,680$538,650$651,050$809,150
KENT COUNTYNON-METRO$420,680$538,650$651,050$809,150
KLEBERG COUNTYKINGSVILLE, TX$420,680$538,650$651,050$809,150
LAMAR COUNTYPARIS, TX$420,680$538,650$651,050$809,150
LAMPASAS COUNTYKILLEEN-TEMPLE, TX$420,680$538,650$651,050$809,150
LYNN COUNTYLUBBOCK, TX$420,680$538,650$651,050$809,150
MCMULLEN COUNTYNON-METRO$420,680$538,650$651,050$809,150
NAVARRO COUNTYCORSICANA, TX$420,680$538,650$651,050$809,150
PALO PINTO COUNTYMINERAL WELLS, TX$420,680$538,650$651,050$809,150
POLK COUNTYNON-METRO$420,680$538,650$651,050$809,150
PRESIDIO COUNTYNON-METRO$420,680$538,650$651,050$809,150
RANDALL COUNTYAMARILLO, TX$420,680$538,650$651,050$809,150
RED RIVER COUNTYNON-METRO$420,680$538,650$651,050$809,150
SABINE COUNTYNON-METRO$420,680$538,650$651,050$809,150
SHACKELFORD COUNTYNON-METRO$420,680$538,650$651,050$809,150
STARR COUNTYRIO GRANDE CITY-ROMA, TX$420,680$538,650$651,050$809,150
STERLING COUNTYSAN ANGELO, TX$420,680$538,650$651,050$809,150
TRAVIS COUNTYAUSTIN-ROUND ROCK-GEORGETOWN, TX$483,000$618,300$747,400$928,850
WALLER COUNTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$420,680$538,650$651,050$809,150
WILBARGER COUNTYVERNON, TX$420,680$538,650$651,050$809,150
WISE COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
BANDERA COUNTYSAN ANTONIO-NEW BRAUNFELS, TX$449,650$575,600$695,800$864,700
BAYLOR COUNTYNON-METRO$420,680$538,650$651,050$809,150
BORDEN COUNTYNON-METRO$420,680$538,650$651,050$809,150
BURLESON COUNTYCOLLEGE STATION-BRYAN, TX$420,680$538,650$651,050$809,150
CAMERON COUNTYBROWNSVILLE-HARLINGEN, TX$420,680$538,650$651,050$809,150
CARSON COUNTYAMARILLO, TX$420,680$538,650$651,050$809,150
DALLAM COUNTYNON-METRO$420,680$538,650$651,050$809,150
DEWITT COUNTYNON-METRO$420,680$538,650$651,050$809,150
FAYETTE COUNTYNON-METRO$420,680$538,650$651,050$809,150
HEMPHILL COUNTYNON-METRO$420,680$538,650$651,050$809,150
HILL COUNTYNON-METRO$420,680$538,650$651,050$809,150
JIM WELLS COUNTYALICE, TX$420,680$538,650$651,050$809,150
NEWTON COUNTYNON-METRO$420,680$538,650$651,050$809,150
RAINS COUNTYNON-METRO$420,680$538,650$651,050$809,150
ROCKWALL COUNTYDALLAS-FORT WORTH-ARLINGTON, TX$450,800$577,100$697,600$866,950
SCHLEICHER COUNTYNON-METRO$420,680$538,650$651,050$809,150
SCURRY COUNTYSNYDER, TX$420,680$538,650$651,050$809,150
WINKLER COUNTYNON-METRO$420,680$538,650$651,050$809,150

Exploring Your Financing Options

Understanding Texas FHA loan limits is just the first step in your home buying or refinancing journey.

If you have any questions about FHA loans or need help navigating the process, don’t hesitate to get in touch with us.

We’re here to help you explore all your home financing options!

Frequently Asked Questions

How do I find the FHA loan limit for my county in Texas?

To find the FHA loan limit for your county in Texas, just use our table above. Easy!

Do FHA loan limits affect my interest rate?

FHA loan limits do not directly affect your interest rate, but they can indirectly impact your rate by limiting the amount you can borrow. If you need to borrow more than the FHA loan limit in your area, you may need to consider other financing options with potentially different interest rates.

Can FHA loan limits change mid-year in Texas?

FHA loan limits are adjusted annually, typically in late December or early January, but they can be changed mid-year in certain circumstances. However, any changes would be rare and unlikely to have a significant impact on most borrowers.

How can I increase the maximum FHA loan amount in Texas?

If you need to borrow more than the FHA loan limit in your county, one option is to apply for a jumbo loan. Jumbo loans generally have higher interest rates and stricter requirements, but they can be a good option if you need to finance a more expensive home. Alternatively, you could consider a different type of mortgage loan, such as a conventional loan or VA loan, depending on your eligibility and needs.