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$424,100$543,000$656,350$815,650
ANDREWSANDREWS, TX$424,100$543,000$656,350$815,650
ANGELINALUFKIN, TX$424,100$543,000$656,350$815,650
ARANSASCORPUS CHRISTI, TX$424,100$543,000$656,350$815,650
ARCHERWICHITA FALLS, TX$424,100$543,000$656,350$815,650
ARMSTRONGAMARILLO, TX$424,100$543,000$656,350$815,650
ATASCOSASAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
AUSTINHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
BAILEYNON-METRO$424,100$543,000$656,350$815,650
BANDERASAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
BASTROPAUSTIN-ROUND ROCK, TX$424,100$543,000$656,350$815,650
BAYLORNON-METRO$424,100$543,000$656,350$815,650
BEEBEEVILLE, TX$424,100$543,000$656,350$815,650
BELLKILLEEN-TEMPLE, TX$424,100$543,000$656,350$815,650
BEXARSAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
BLANCONON-METRO$424,100$543,000$656,350$815,650
BORDENNON-METRO$424,100$543,000$656,350$815,650
BOSQUENON-METRO$424,100$543,000$656,350$815,650
BOWIETEXARKANA, TX-AR$424,100$543,000$656,350$815,650
BRAZORIAHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
BRAZOSCOLLEGE STATION-BRYAN, TX$424,100$543,000$656,350$815,650
BREWSTERNON-METRO$424,100$543,000$656,350$815,650
BRISCOENON-METRO$424,100$543,000$656,350$815,650
BROOKSNON-METRO$424,100$543,000$656,350$815,650
BROWNBROWNWOOD, TX$424,100$543,000$656,350$815,650
BURLESONCOLLEGE STATION-BRYAN, TX$424,100$543,000$656,350$815,650
BURNETNON-METRO$424,100$543,000$656,350$815,650
CALDWELLAUSTIN-ROUND ROCK, TX$424,100$543,000$656,350$815,650
CALHOUNPORT LAVACA, TX$424,100$543,000$656,350$815,650
CALLAHANABILENE, TX$424,100$543,000$656,350$815,650
CAMERONBROWNSVILLE-HARLINGEN, TX$424,100$543,000$656,350$815,650
CAMPNON-METRO$424,100$543,000$656,350$815,650
CARSONAMARILLO, TX$424,100$543,000$656,350$815,650
CASSNON-METRO$424,100$543,000$656,350$815,650
CASTRONON-METRO$424,100$543,000$656,350$815,650
CHAMBERSHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
CHEROKEEJACKSONVILLE, TX$424,100$543,000$656,350$815,650
CHILDRESSNON-METRO$424,100$543,000$656,350$815,650
CLAYWICHITA FALLS, TX$424,100$543,000$656,350$815,650
COCHRANNON-METRO$424,100$543,000$656,350$815,650
COKENON-METRO$424,100$543,000$656,350$815,650
COLEMANNON-METRO$424,100$543,000$656,350$815,650
COLLINDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
COLLINGSWORTHNON-METRO$424,100$543,000$656,350$815,650
COLORADONON-METRO$424,100$543,000$656,350$815,650
COMALSAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
COMANCHENON-METRO$424,100$543,000$656,350$815,650
CONCHONON-METRO$424,100$543,000$656,350$815,650
COOKEGAINESVILLE, TX$424,100$543,000$656,350$815,650
CORYELLKILLEEN-TEMPLE, TX$424,100$543,000$656,350$815,650
COTTLENON-METRO$424,100$543,000$656,350$815,650
CRANENON-METRO$424,100$543,000$656,350$815,650
CROCKETTNON-METRO$424,100$543,000$656,350$815,650
CROSBYLUBBOCK, TX$424,100$543,000$656,350$815,650
CULBERSONNON-METRO$424,100$543,000$656,350$815,650
DALLAMNON-METRO$424,100$543,000$656,350$815,650
DALLASDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
DAWSONLAMESA, TX$424,100$543,000$656,350$815,650
DE WITTNON-METRO$424,100$543,000$656,350$815,650
DEAF SMITHHEREFORD, TX$424,100$543,000$656,350$815,650
DELTANON-METRO$424,100$543,000$656,350$815,650
DENTONDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
DICKENSNON-METRO$424,100$543,000$656,350$815,650
DIMMITNON-METRO$424,100$543,000$656,350$815,650
DONLEYNON-METRO$424,100$543,000$656,350$815,650
DUVALNON-METRO$424,100$543,000$656,350$815,650
EASTLANDNON-METRO$424,100$543,000$656,350$815,650
ECTORODESSA, TX$424,100$543,000$656,350$815,650
EDWARDSNON-METRO$424,100$543,000$656,350$815,650
EL PASOEL PASO, TX$424,100$543,000$656,350$815,650
ELLISDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
ERATHSTEPHENVILLE, TX$424,100$543,000$656,350$815,650
FALLSWACO, TX$424,100$543,000$656,350$815,650
FANNINNON-METRO$424,100$543,000$656,350$815,650
FAYETTENON-METRO$424,100$543,000$656,350$815,650
FISHERNON-METRO$424,100$543,000$656,350$815,650
FLOYDNON-METRO$424,100$543,000$656,350$815,650
FOARDNON-METRO$424,100$543,000$656,350$815,650
FORT BENDHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
FRANKLINNON-METRO$424,100$543,000$656,350$815,650
FREESTONENON-METRO$424,100$543,000$656,350$815,650
FRIONON-METRO$424,100$543,000$656,350$815,650
GAINESNON-METRO$424,100$543,000$656,350$815,650
GALVESTONHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
GARZANON-METRO$424,100$543,000$656,350$815,650
GILLESPIEFREDERICKSBURG, TX$424,100$543,000$656,350$815,650
GLASSCOCKBIG SPRING, TX$424,100$543,000$656,350$815,650
GOLIADVICTORIA, TX$424,100$543,000$656,350$815,650
GONZALESNON-METRO$424,100$543,000$656,350$815,650
GRAYPAMPA, TX$424,100$543,000$656,350$815,650
GRAYSONSHERMAN-DENISON, TX$424,100$543,000$656,350$815,650
GREGGLONGVIEW, TX$424,100$543,000$656,350$815,650
GRIMESNON-METRO$424,100$543,000$656,350$815,650
GUADALUPESAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
HALEPLAINVIEW, TX$424,100$543,000$656,350$815,650
HALLNON-METRO$424,100$543,000$656,350$815,650
HAMILTONNON-METRO$424,100$543,000$656,350$815,650
HANSFORDNON-METRO$424,100$543,000$656,350$815,650
HARDEMANNON-METRO$424,100$543,000$656,350$815,650
HARDINBEAUMONT-PORT ARTHUR, TX$424,100$543,000$656,350$815,650
HARRISHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
HARRISONMARSHALL, TX$424,100$543,000$656,350$815,650
HARTLEYNON-METRO$424,100$543,000$656,350$815,650
HASKELLNON-METRO$424,100$543,000$656,350$815,650
HAYSAUSTIN-ROUND ROCK, TX$424,100$543,000$656,350$815,650
HEMPHILLNON-METRO$424,100$543,000$656,350$815,650
HENDERSONATHENS, TX$424,100$543,000$656,350$815,650
HIDALGOMCALLEN-EDINBURG-MISSION, TX$424,100$543,000$656,350$815,650
HILLNON-METRO$424,100$543,000$656,350$815,650
HOCKLEYLEVELLAND, TX$424,100$543,000$656,350$815,650
HOODDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
HOPKINSSULPHUR SPRINGS, TX$424,100$543,000$656,350$815,650
HOUSTONNON-METRO$424,100$543,000$656,350$815,650
HOWARDBIG SPRING, TX$424,100$543,000$656,350$815,650
HUDSPETHEL PASO, TX$424,100$543,000$656,350$815,650
HUNTDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
HUTCHINSONBORGER, TX$424,100$543,000$656,350$815,650
IRIONSAN ANGELO, TX$424,100$543,000$656,350$815,650
JACKNON-METRO$424,100$543,000$656,350$815,650
JACKSONNON-METRO$424,100$543,000$656,350$815,650
JASPERNON-METRO$424,100$543,000$656,350$815,650
JEFF DAVISNON-METRO$424,100$543,000$656,350$815,650
JEFFERSONBEAUMONT-PORT ARTHUR, TX$424,100$543,000$656,350$815,650
JIM HOGGNON-METRO$424,100$543,000$656,350$815,650
JIM WELLSALICE, TX$424,100$543,000$656,350$815,650
JOHNSONDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
JONESABILENE, TX$424,100$543,000$656,350$815,650
KARNESNON-METRO$424,100$543,000$656,350$815,650
KAUFMANDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
KENDALLSAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
KENEDYKINGSVILLE, TX$424,100$543,000$656,350$815,650
KENTNON-METRO$424,100$543,000$656,350$815,650
KERRKERRVILLE, TX$424,100$543,000$656,350$815,650
KIMBLENON-METRO$424,100$543,000$656,350$815,650
KINGNON-METRO$424,100$543,000$656,350$815,650
KINNEYNON-METRO$424,100$543,000$656,350$815,650
KLEBERGKINGSVILLE, TX$424,100$543,000$656,350$815,650
KNOXNON-METRO$424,100$543,000$656,350$815,650
LA SALLENON-METRO$424,100$543,000$656,350$815,650
LAMARPARIS, TX$424,100$543,000$656,350$815,650
LAMBNON-METRO$424,100$543,000$656,350$815,650
LAMPASASKILLEEN-TEMPLE, TX$424,100$543,000$656,350$815,650
LAVACANON-METRO$424,100$543,000$656,350$815,650
LEENON-METRO$424,100$543,000$656,350$815,650
LEONNON-METRO$424,100$543,000$656,350$815,650
LIBERTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
LIMESTONENON-METRO$424,100$543,000$656,350$815,650
LIPSCOMBNON-METRO$424,100$543,000$656,350$815,650
LIVE OAKNON-METRO$424,100$543,000$656,350$815,650
LLANONON-METRO$424,100$543,000$656,350$815,650
LOVINGNON-METRO$424,100$543,000$656,350$815,650
LUBBOCKLUBBOCK, TX$424,100$543,000$656,350$815,650
LYNNLUBBOCK, TX$424,100$543,000$656,350$815,650
MADISONNON-METRO$424,100$543,000$656,350$815,650
MARIONNON-METRO$424,100$543,000$656,350$815,650
MARTINMIDLAND, TX$424,100$543,000$656,350$815,650
MASONNON-METRO$424,100$543,000$656,350$815,650
MATAGORDABAY CITY, TX$424,100$543,000$656,350$815,650
MAVERICKEAGLE PASS, TX$424,100$543,000$656,350$815,650
MCCULLOCHNON-METRO$424,100$543,000$656,350$815,650
MCLENNANWACO, TX$424,100$543,000$656,350$815,650
MCMULLENNON-METRO$424,100$543,000$656,350$815,650
MEDINASAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
MENARDNON-METRO$424,100$543,000$656,350$815,650
MIDLANDMIDLAND, TX$424,100$543,000$656,350$815,650
MILAMNON-METRO$424,100$543,000$656,350$815,650
MILLSNON-METRO$424,100$543,000$656,350$815,650
MITCHELLNON-METRO$424,100$543,000$656,350$815,650
MONTAGUENON-METRO$424,100$543,000$656,350$815,650
MONTGOMERYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
MOOREDUMAS, TX$424,100$543,000$656,350$815,650
MORRISNON-METRO$424,100$543,000$656,350$815,650
MOTLEYNON-METRO$424,100$543,000$656,350$815,650
NACOGDOCHESNACOGDOCHES, TX$424,100$543,000$656,350$815,650
NAVARROCORSICANA, TX$424,100$543,000$656,350$815,650
NEWTONBEAUMONT-PORT ARTHUR, TX$424,100$543,000$656,350$815,650
NOLANSWEETWATER, TX$424,100$543,000$656,350$815,650
NUECESCORPUS CHRISTI, TX$424,100$543,000$656,350$815,650
OCHILTREENON-METRO$424,100$543,000$656,350$815,650
OLDHAMAMARILLO, TX$424,100$543,000$656,350$815,650
ORANGEBEAUMONT-PORT ARTHUR, TX$424,100$543,000$656,350$815,650
PALO PINTOMINERAL WELLS, TX$424,100$543,000$656,350$815,650
PANOLANON-METRO$424,100$543,000$656,350$815,650
PARKERDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
PARMERNON-METRO$424,100$543,000$656,350$815,650
PECOSNON-METRO$424,100$543,000$656,350$815,650
POLKNON-METRO$424,100$543,000$656,350$815,650
POTTERAMARILLO, TX$424,100$543,000$656,350$815,650
PRESIDIONON-METRO$424,100$543,000$656,350$815,650
RAINSNON-METRO$424,100$543,000$656,350$815,650
RANDALLAMARILLO, TX$424,100$543,000$656,350$815,650
REAGANNON-METRO$424,100$543,000$656,350$815,650
REALNON-METRO$424,100$543,000$656,350$815,650
RED RIVERNON-METRO$424,100$543,000$656,350$815,650
REEVESPECOS, TX$424,100$543,000$656,350$815,650
REFUGIONON-METRO$424,100$543,000$656,350$815,650
ROBERTSNON-METRO$424,100$543,000$656,350$815,650
ROBERTSONCOLLEGE STATION-BRYAN, TX$424,100$543,000$656,350$815,650
ROCKWALLDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
RUNNELSNON-METRO$424,100$543,000$656,350$815,650
RUSKLONGVIEW, TX$424,100$543,000$656,350$815,650
SABINENON-METRO$424,100$543,000$656,350$815,650
SAN AUGUSTINENON-METRO$424,100$543,000$656,350$815,650
SAN JACINTONON-METRO$424,100$543,000$656,350$815,650
SAN PATRICIOCORPUS CHRISTI, TX$424,100$543,000$656,350$815,650
SAN SABANON-METRO$424,100$543,000$656,350$815,650
SCHLEICHERNON-METRO$424,100$543,000$656,350$815,650
SCURRYSNYDER, TX$424,100$543,000$656,350$815,650
SHACKELFORDNON-METRO$424,100$543,000$656,350$815,650
SHELBYNON-METRO$424,100$543,000$656,350$815,650
SHERMANNON-METRO$424,100$543,000$656,350$815,650
SMITHTYLER, TX$424,100$543,000$656,350$815,650
SOMERVELLDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
STARRRIO GRANDE CITY, TX$424,100$543,000$656,350$815,650
STEPHENSNON-METRO$424,100$543,000$656,350$815,650
STERLINGNON-METRO$424,100$543,000$656,350$815,650
STONEWALLNON-METRO$424,100$543,000$656,350$815,650
SUTTONNON-METRO$424,100$543,000$656,350$815,650
SWISHERNON-METRO$424,100$543,000$656,350$815,650
TARRANTDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
TAYLORABILENE, TX$424,100$543,000$656,350$815,650
TERRELLNON-METRO$424,100$543,000$656,350$815,650
TERRYNON-METRO$424,100$543,000$656,350$815,650
THROCKMORTONNON-METRO$424,100$543,000$656,350$815,650
TITUSMOUNT PLEASANT, TX$424,100$543,000$656,350$815,650
TOM GREENSAN ANGELO, TX$424,100$543,000$656,350$815,650
TRAVISAUSTIN-ROUND ROCK, TX$424,100$543,000$656,350$815,650
TRINITYHUNTSVILLE, TX$424,100$543,000$656,350$815,650
TYLERNON-METRO$424,100$543,000$656,350$815,650
UPSHURLONGVIEW, TX$424,100$543,000$656,350$815,650
UPTONNON-METRO$424,100$543,000$656,350$815,650
UVALDEUVALDE, TX$424,100$543,000$656,350$815,650
VAL VERDEDEL RIO, TX$424,100$543,000$656,350$815,650
VAN ZANDTNON-METRO$424,100$543,000$656,350$815,650
VICTORIAVICTORIA, TX$424,100$543,000$656,350$815,650
WALKERHUNTSVILLE, TX$424,100$543,000$656,350$815,650
WALLERHOUSTON-THE WOODLANDS-SUGAR LAND, TX$424,100$543,000$656,350$815,650
WARDNON-METRO$424,100$543,000$656,350$815,650
WASHINGTONBRENHAM, TX$424,100$543,000$656,350$815,650
WEBBLAREDO, TX$424,100$543,000$656,350$815,650
WHARTONEL CAMPO, TX$424,100$543,000$656,350$815,650
WHEELERNON-METRO$424,100$543,000$656,350$815,650
WICHITAWICHITA FALLS, TX$424,100$543,000$656,350$815,650
WILBARGERVERNON, TX$424,100$543,000$656,350$815,650
WILLACYRAYMONDVILLE, TX$424,100$543,000$656,350$815,650
WILLIAMSONAUSTIN-ROUND ROCK, TX$424,100$543,000$656,350$815,650
WILSONSAN ANTONIO-NEW BRAUNFELS, TX$424,100$543,000$656,350$815,650
WINKLERNON-METRO$424,100$543,000$656,350$815,650
WISEDALLAS-FORT WORTH-ARLINGTON, TX$424,100$543,000$656,350$815,650
WOODNON-METRO$424,100$543,000$656,350$815,650
YOAKUMNON-METRO$424,100$543,000$656,350$815,650
YOUNGNON-METRO$424,100$543,000$656,350$815,650
ZAPATAZAPATA MICROPOLITAN STATISTICAL AREA$424,100$543,000$656,350$815,650
ZAVALANON-METRO$424,100$543,000$656,350$815,650

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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