What are Conventional Loans and Conforming Loans?

By definition, a Conventional Loan is any mortgage that’s not guaranteed or insured by the federal government. Texas conventional loans may be either “conforming” and “non-conforming”, although ‘conventional loans’ generally refer to ‘conforming loans’. Therefore Texas conventional loan limits are the same thing as Texas conforming loan limits.

Texas Conventional Loan Limits

What is the maximum amount that I can borrow?

Conventional loan limits in Texas are determined by:

  • Texas Conventional Loan LimitsMaximum LTV Ratio:  The maximum financing loan-to-value ratio for conventional mortgages is 80% – 97% of the appraised value of the home or its selling price, whichever is lower. Learn how to calculate loan-to-value.
  • Maximum Loan Amount: Conventional loan limits in Texas are set at the floor amount of $424,100 across the entire state. Metro areas in TX with a conforming limit of $424,100 include Houston, Dallas, San Antonio, Austin, El Paso, Lubbock, Amarillo, Waco and Abilene.

Search all Conventional Loan Limits in Texas:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ANDERSONPALESTINE, TX$510,400$653,550$789,950$981,700
ANDREWSANDREWS, TX$510,400$653,550$789,950$981,700
ANGELINALUFKIN, TX$510,400$653,550$789,950$981,700
ARANSASROCKPORT, TX$510,400$653,550$789,950$981,700
ARCHERWICHITA FALLS, TX$510,400$653,550$789,950$981,700
ARMSTRONGAMARILLO, TX$510,400$653,550$789,950$981,700
ATASCOSASAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
AUSTINHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
BAILEYNON-METRO$510,400$653,550$789,950$981,700
BANDERASAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
BASTROPAUSTIN-ROUND ROCK-GEORGETOWN, TX$510,400$653,550$789,950$981,700
BAYLORNON-METRO$510,400$653,550$789,950$981,700
BEEBEEVILLE, TX$510,400$653,550$789,950$981,700
BELLKILLEEN-TEMPLE, TX$510,400$653,550$789,950$981,700
BEXARSAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
BLANCONON-METRO$510,400$653,550$789,950$981,700
BORDENNON-METRO$510,400$653,550$789,950$981,700
BOSQUENON-METRO$510,400$653,550$789,950$981,700
BOWIETEXARKANA, TX-AR$510,400$653,550$789,950$981,700
BRAZORIAHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
BRAZOSCOLLEGE STATION-BRYAN, TX$510,400$653,550$789,950$981,700
BREWSTERNON-METRO$510,400$653,550$789,950$981,700
BRISCOENON-METRO$510,400$653,550$789,950$981,700
BROOKSNON-METRO$510,400$653,550$789,950$981,700
BROWNBROWNWOOD, TX$510,400$653,550$789,950$981,700
BURLESONCOLLEGE STATION-BRYAN, TX$510,400$653,550$789,950$981,700
BURNETNON-METRO$510,400$653,550$789,950$981,700
CALDWELLAUSTIN-ROUND ROCK-GEORGETOWN, TX$510,400$653,550$789,950$981,700
CALHOUNPORT LAVACA, TX$510,400$653,550$789,950$981,700
CALLAHANABILENE, TX$510,400$653,550$789,950$981,700
CAMERONBROWNSVILLE-HARLINGEN, TX$510,400$653,550$789,950$981,700
CAMPMOUNT PLEASANT, TX$510,400$653,550$789,950$981,700
CARSONAMARILLO, TX$510,400$653,550$789,950$981,700
CASSNON-METRO$510,400$653,550$789,950$981,700
CASTRONON-METRO$510,400$653,550$789,950$981,700
CHAMBERSHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
CHEROKEEJACKSONVILLE, TX$510,400$653,550$789,950$981,700
CHILDRESSNON-METRO$510,400$653,550$789,950$981,700
CLAYWICHITA FALLS, TX$510,400$653,550$789,950$981,700
COCHRANNON-METRO$510,400$653,550$789,950$981,700
COKENON-METRO$510,400$653,550$789,950$981,700
COLEMANNON-METRO$510,400$653,550$789,950$981,700
COLLINDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
COLLINGSWORTHNON-METRO$510,400$653,550$789,950$981,700
COLORADONON-METRO$510,400$653,550$789,950$981,700
COMALSAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
COMANCHENON-METRO$510,400$653,550$789,950$981,700
CONCHONON-METRO$510,400$653,550$789,950$981,700
COOKEGAINESVILLE, TX$510,400$653,550$789,950$981,700
CORYELLKILLEEN-TEMPLE, TX$510,400$653,550$789,950$981,700
COTTLENON-METRO$510,400$653,550$789,950$981,700
CRANENON-METRO$510,400$653,550$789,950$981,700
CROCKETTNON-METRO$510,400$653,550$789,950$981,700
CROSBYLUBBOCK, TX$510,400$653,550$789,950$981,700
CULBERSONNON-METRO$510,400$653,550$789,950$981,700
DALLAMNON-METRO$510,400$653,550$789,950$981,700
DALLASDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
DAWSONLAMESA, TX$510,400$653,550$789,950$981,700
DEAF SMITHHEREFORD, TX$510,400$653,550$789,950$981,700
DELTANON-METRO$510,400$653,550$789,950$981,700
DENTONDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
DEWITTNON-METRO$510,400$653,550$789,950$981,700
DICKENSNON-METRO$510,400$653,550$789,950$981,700
DIMMITNON-METRO$510,400$653,550$789,950$981,700
DONLEYNON-METRO$510,400$653,550$789,950$981,700
DUVALALICE, TX$510,400$653,550$789,950$981,700
EASTLANDNON-METRO$510,400$653,550$789,950$981,700
ECTORODESSA, TX$510,400$653,550$789,950$981,700
EDWARDSNON-METRO$510,400$653,550$789,950$981,700
EL PASOEL PASO, TX$510,400$653,550$789,950$981,700
ELLISDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
ERATHSTEPHENVILLE, TX$510,400$653,550$789,950$981,700
FALLSWACO, TX$510,400$653,550$789,950$981,700
FANNINBONHAM, TX$510,400$653,550$789,950$981,700
FAYETTENON-METRO$510,400$653,550$789,950$981,700
FISHERNON-METRO$510,400$653,550$789,950$981,700
FLOYDNON-METRO$510,400$653,550$789,950$981,700
FOARDNON-METRO$510,400$653,550$789,950$981,700
FORT BENDHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
FRANKLINNON-METRO$510,400$653,550$789,950$981,700
FREESTONENON-METRO$510,400$653,550$789,950$981,700
FRIOPEARSALL, TX$510,400$653,550$789,950$981,700
GAINESNON-METRO$510,400$653,550$789,950$981,700
GALVESTONHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
GARZANON-METRO$510,400$653,550$789,950$981,700
GILLESPIEFREDERICKSBURG, TX$510,400$653,550$789,950$981,700
GLASSCOCKNON-METRO$510,400$653,550$789,950$981,700
GOLIADVICTORIA, TX$510,400$653,550$789,950$981,700
GONZALESNON-METRO$510,400$653,550$789,950$981,700
GRAYPAMPA, TX$510,400$653,550$789,950$981,700
GRAYSONSHERMAN-DENISON, TX$510,400$653,550$789,950$981,700
GREGGLONGVIEW, TX$510,400$653,550$789,950$981,700
GRIMESNON-METRO$510,400$653,550$789,950$981,700
GUADALUPESAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
HALEPLAINVIEW, TX$510,400$653,550$789,950$981,700
HALLNON-METRO$510,400$653,550$789,950$981,700
HAMILTONNON-METRO$510,400$653,550$789,950$981,700
HANSFORDNON-METRO$510,400$653,550$789,950$981,700
HARDEMANNON-METRO$510,400$653,550$789,950$981,700
HARDINBEAUMONT-PORT ARTHUR, TX$510,400$653,550$789,950$981,700
HARRISHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
HARRISONLONGVIEW, TX$510,400$653,550$789,950$981,700
HARTLEYNON-METRO$510,400$653,550$789,950$981,700
HASKELLNON-METRO$510,400$653,550$789,950$981,700
HAYSAUSTIN-ROUND ROCK-GEORGETOWN, TX$510,400$653,550$789,950$981,700
HEMPHILLNON-METRO$510,400$653,550$789,950$981,700
HENDERSONATHENS, TX$510,400$653,550$789,950$981,700
HIDALGOMCALLEN-EDINBURG-MISSION, TX$510,400$653,550$789,950$981,700
HILLNON-METRO$510,400$653,550$789,950$981,700
HOCKLEYLEVELLAND, TX$510,400$653,550$789,950$981,700
HOODGRANBURY, TX$510,400$653,550$789,950$981,700
HOPKINSSULPHUR SPRINGS, TX$510,400$653,550$789,950$981,700
HOUSTONNON-METRO$510,400$653,550$789,950$981,700
HOWARDBIG SPRING, TX$510,400$653,550$789,950$981,700
HUDSPETHEL PASO, TX$510,400$653,550$789,950$981,700
HUNTDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
HUTCHINSONBORGER, TX$510,400$653,550$789,950$981,700
IRIONSAN ANGELO, TX$510,400$653,550$789,950$981,700
JACKNON-METRO$510,400$653,550$789,950$981,700
JACKSONNON-METRO$510,400$653,550$789,950$981,700
JASPERNON-METRO$510,400$653,550$789,950$981,700
JEFF DAVISNON-METRO$510,400$653,550$789,950$981,700
JEFFERSONBEAUMONT-PORT ARTHUR, TX$510,400$653,550$789,950$981,700
JIM HOGGNON-METRO$510,400$653,550$789,950$981,700
JIM WELLSALICE, TX$510,400$653,550$789,950$981,700
JOHNSONDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
JONESABILENE, TX$510,400$653,550$789,950$981,700
KARNESNON-METRO$510,400$653,550$789,950$981,700
KAUFMANDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
KENDALLSAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
KENEDYKINGSVILLE, TX$510,400$653,550$789,950$981,700
KENTNON-METRO$510,400$653,550$789,950$981,700
KERRKERRVILLE, TX$510,400$653,550$789,950$981,700
KIMBLENON-METRO$510,400$653,550$789,950$981,700
KINGNON-METRO$510,400$653,550$789,950$981,700
KINNEYNON-METRO$510,400$653,550$789,950$981,700
KLEBERGKINGSVILLE, TX$510,400$653,550$789,950$981,700
KNOXNON-METRO$510,400$653,550$789,950$981,700
LA SALLENON-METRO$510,400$653,550$789,950$981,700
LAMARPARIS, TX$510,400$653,550$789,950$981,700
LAMBNON-METRO$510,400$653,550$789,950$981,700
LAMPASASKILLEEN-TEMPLE, TX$510,400$653,550$789,950$981,700
LAVACANON-METRO$510,400$653,550$789,950$981,700
LEENON-METRO$510,400$653,550$789,950$981,700
LEONNON-METRO$510,400$653,550$789,950$981,700
LIBERTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
LIMESTONENON-METRO$510,400$653,550$789,950$981,700
LIPSCOMBNON-METRO$510,400$653,550$789,950$981,700
LIVE OAKNON-METRO$510,400$653,550$789,950$981,700
LLANONON-METRO$510,400$653,550$789,950$981,700
LOVINGPECOS, TX$510,400$653,550$789,950$981,700
LUBBOCKLUBBOCK, TX$510,400$653,550$789,950$981,700
LYNNLUBBOCK, TX$510,400$653,550$789,950$981,700
MADISONNON-METRO$510,400$653,550$789,950$981,700
MARIONNON-METRO$510,400$653,550$789,950$981,700
MARTINMIDLAND, TX$510,400$653,550$789,950$981,700
MASONNON-METRO$510,400$653,550$789,950$981,700
MATAGORDABAY CITY, TX$510,400$653,550$789,950$981,700
MAVERICKEAGLE PASS, TX$510,400$653,550$789,950$981,700
MCCULLOCHNON-METRO$510,400$653,550$789,950$981,700
MCLENNANWACO, TX$510,400$653,550$789,950$981,700
MCMULLENNON-METRO$510,400$653,550$789,950$981,700
MEDINASAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
MENARDNON-METRO$510,400$653,550$789,950$981,700
MIDLANDMIDLAND, TX$510,400$653,550$789,950$981,700
MILAMNON-METRO$510,400$653,550$789,950$981,700
MILLSNON-METRO$510,400$653,550$789,950$981,700
MITCHELLNON-METRO$510,400$653,550$789,950$981,700
MONTAGUENON-METRO$510,400$653,550$789,950$981,700
MONTGOMERYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
MOOREDUMAS, TX$510,400$653,550$789,950$981,700
MORRISNON-METRO$510,400$653,550$789,950$981,700
MOTLEYNON-METRO$510,400$653,550$789,950$981,700
NACOGDOCHESNACOGDOCHES, TX$510,400$653,550$789,950$981,700
NAVARROCORSICANA, TX$510,400$653,550$789,950$981,700
NEWTONNON-METRO$510,400$653,550$789,950$981,700
NOLANSWEETWATER, TX$510,400$653,550$789,950$981,700
NUECESCORPUS CHRISTI, TX$510,400$653,550$789,950$981,700
OCHILTREENON-METRO$510,400$653,550$789,950$981,700
OLDHAMAMARILLO, TX$510,400$653,550$789,950$981,700
ORANGEBEAUMONT-PORT ARTHUR, TX$510,400$653,550$789,950$981,700
PALO PINTOMINERAL WELLS, TX$510,400$653,550$789,950$981,700
PANOLANON-METRO$510,400$653,550$789,950$981,700
PARKERDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
PARMERNON-METRO$510,400$653,550$789,950$981,700
PECOSNON-METRO$510,400$653,550$789,950$981,700
POLKNON-METRO$510,400$653,550$789,950$981,700
POTTERAMARILLO, TX$510,400$653,550$789,950$981,700
PRESIDIONON-METRO$510,400$653,550$789,950$981,700
RAINSNON-METRO$510,400$653,550$789,950$981,700
RANDALLAMARILLO, TX$510,400$653,550$789,950$981,700
REAGANNON-METRO$510,400$653,550$789,950$981,700
REALNON-METRO$510,400$653,550$789,950$981,700
RED RIVERNON-METRO$510,400$653,550$789,950$981,700
REEVESPECOS, TX$510,400$653,550$789,950$981,700
REFUGIONON-METRO$510,400$653,550$789,950$981,700
ROBERTSPAMPA, TX$510,400$653,550$789,950$981,700
ROBERTSONCOLLEGE STATION-BRYAN, TX$510,400$653,550$789,950$981,700
ROCKWALLDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
RUNNELSNON-METRO$510,400$653,550$789,950$981,700
RUSKLONGVIEW, TX$510,400$653,550$789,950$981,700
SABINENON-METRO$510,400$653,550$789,950$981,700
SAN AUGUSTINENON-METRO$510,400$653,550$789,950$981,700
SAN JACINTONON-METRO$510,400$653,550$789,950$981,700
SAN PATRICIOCORPUS CHRISTI, TX$510,400$653,550$789,950$981,700
SAN SABANON-METRO$510,400$653,550$789,950$981,700
SCHLEICHERNON-METRO$510,400$653,550$789,950$981,700
SCURRYSNYDER, TX$510,400$653,550$789,950$981,700
SHACKELFORDNON-METRO$510,400$653,550$789,950$981,700
SHELBYNON-METRO$510,400$653,550$789,950$981,700
SHERMANNON-METRO$510,400$653,550$789,950$981,700
SMITHTYLER, TX$510,400$653,550$789,950$981,700
SOMERVELLNON-METRO$510,400$653,550$789,950$981,700
STARRRIO GRANDE CITY-ROMA, TX$510,400$653,550$789,950$981,700
STEPHENSNON-METRO$510,400$653,550$789,950$981,700
STERLINGSAN ANGELO, TX$510,400$653,550$789,950$981,700
STONEWALLNON-METRO$510,400$653,550$789,950$981,700
SUTTONNON-METRO$510,400$653,550$789,950$981,700
SWISHERNON-METRO$510,400$653,550$789,950$981,700
TARRANTDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
TAYLORABILENE, TX$510,400$653,550$789,950$981,700
TERRELLNON-METRO$510,400$653,550$789,950$981,700
TERRYNON-METRO$510,400$653,550$789,950$981,700
THROCKMORTONNON-METRO$510,400$653,550$789,950$981,700
TITUSMOUNT PLEASANT, TX$510,400$653,550$789,950$981,700
TOM GREENSAN ANGELO, TX$510,400$653,550$789,950$981,700
TRAVISAUSTIN-ROUND ROCK-GEORGETOWN, TX$510,400$653,550$789,950$981,700
TRINITYNON-METRO$510,400$653,550$789,950$981,700
TYLERNON-METRO$510,400$653,550$789,950$981,700
UPSHURLONGVIEW, TX$510,400$653,550$789,950$981,700
UPTONNON-METRO$510,400$653,550$789,950$981,700
UVALDEUVALDE, TX$510,400$653,550$789,950$981,700
VAL VERDEDEL RIO, TX$510,400$653,550$789,950$981,700
VAN ZANDTNON-METRO$510,400$653,550$789,950$981,700
VICTORIAVICTORIA, TX$510,400$653,550$789,950$981,700
WALKERHUNTSVILLE, TX$510,400$653,550$789,950$981,700
WALLERHOUSTON-THE WOODLANDS-SUGAR LAND, TX$510,400$653,550$789,950$981,700
WARDNON-METRO$510,400$653,550$789,950$981,700
WASHINGTONBRENHAM, TX$510,400$653,550$789,950$981,700
WEBBLAREDO, TX$510,400$653,550$789,950$981,700
WHARTONEL CAMPO, TX$510,400$653,550$789,950$981,700
WHEELERNON-METRO$510,400$653,550$789,950$981,700
WICHITAWICHITA FALLS, TX$510,400$653,550$789,950$981,700
WILBARGERVERNON, TX$510,400$653,550$789,950$981,700
WILLACYRAYMONDVILLE, TX$510,400$653,550$789,950$981,700
WILLIAMSONAUSTIN-ROUND ROCK-GEORGETOWN, TX$510,400$653,550$789,950$981,700
WILSONSAN ANTONIO-NEW BRAUNFELS, TX$510,400$653,550$789,950$981,700
WINKLERNON-METRO$510,400$653,550$789,950$981,700
WISEDALLAS-FORT WORTH-ARLINGTON, TX$510,400$653,550$789,950$981,700
WOODNON-METRO$510,400$653,550$789,950$981,700
YOAKUMNON-METRO$510,400$653,550$789,950$981,700
YOUNGNON-METRO$510,400$653,550$789,950$981,700
ZAPATAZAPATA, TX$510,400$653,550$789,950$981,700
ZAVALANON-METRO$510,400$653,550$789,950$981,700

Texas conforming limits can change anytime. Check back often to ensure accuracy.

What factors determine if i’m eligible for a Conventional Loan in Texas?

Conventional conforming loans follow the terms and conditions set forth by government sponsored enterprises (GSE’s) like Fannie Mae or Freddie Mac. To be eligible for a Conforming Loan in Texas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. Your credit background will be considered. A FICO credit score of 620 or above is generally required to obtain a conventional loan approval. You must also have enough income to pay your housing costs plus all additional monthly debt.

How much money will I need for the down payment and closing costs?

Conventional home loans require the home buyer to invest between 3% and 20% of the sales price towards the down payment and closing costs. If the sales price is $100,000 for example, the mortgage applicant must invest at least $3,000 – $20,000 to meet conventional mortgage down payment requirements, depending on the program.

Minimum Texas Conventional Loan Down Payment:

Residence UsageFixed-Rate Mortgage (FRM)Adjustable-Rate Mortgage (ARM)
1 Unit Primary3% Down Payment10% Down Payment
2 Units Primary15% Down Payment25% Down Payment
3 Units Primary25% Down Payment35% Down Payment
4 Units Primary25% Down Payment35% Down Payment
1 Unit Second Home10% Down Payment20% Down Payment
1 Unit Investment15% Down Payment25% Down Payment
2 Units Investment25% Down Payment35% Down Payment
3 Units Investment25% Down Payment35% Down Payment
4 Units Investment25% Down Payment35% Down Payment

What property types are allowed for Conventional Conforming Mortgages?

Conventional Loan Requirements - TXConventional loan requirements allow you to purchase warrantable condos, planned unit developments, modular homes, manufactured homes, and 1-4 family residences. Conventional loans can be used to finance primary residences, second homes and investment property.

Learn more about conventional mortgages.

What types of mortgage and refinance programs do Conventional Loans offer in Texas?

There are several varieties of standard home purchase, first-time home buyer and conventional refinance loans available in Texas:

  • Conventional Purchase Loans – Conventional loans offer a variety of programs for applicants with good credit ratings to buy a home. Both 3% down mortgage and 5% down mortgage options are available, however 20% down is the minimum amount required to avoid private mortgage insurance.
  • Conventional Rate/Term Refinance: Conventional Rate/Term refinancing loans are for borrowers who currently have an FHA, VA, USDA or conventional fixed rate mortgage or ARM loan and wish to refinance into a conventional mortgage with a lower interest rate. If you’re a homeowners considering a stable, conventional fixed-rate mortgage, this program may also eliminate your mortgage insurance if you have at 20% equity in your home.  If not, Conventional 97% loan programs may also work for you.
  • Cash-Out Refinance: A Conventional Cash Out Refinance is perfect for the homeowner who wants to access the equity that they have built up in their home. This program is beneficial to homeowners whose property has increased in value since it was purchased.

What factors determine if I am eligible for a Conventional Refinance Loan?

To meet conventional refinance mortgage requirements in Texas, your monthly housing costs (mortgage principal and interest, property taxes, and insurance) must meet a specified percentage of your gross monthly income. In addition, your credit background will be considered. Finally, you must be able to cover closing costs and have enough income to pay your monthly debt.

Conventional Loan Requirements

More Texas Mortgage Limits

You may also want to visit these additional home loan resources before deciding on a mortgage program:

 

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