What are FHA Loan Limits in Texas?

FHA loans are a low down payment mortgage program and Texas FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Texas are set at the floor amount of $275,665 across most of the state.

Texas FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ANDERSONPALESTINE, TX$275,665$352,950$426,625$530,150
ANDREWSANDREWS, TX$275,665$352,950$426,625$530,150
ANGELINALUFKIN, TX$275,665$352,950$426,625$530,150
ARANSASCORPUS CHRISTI, TX$275,665$352,950$426,625$530,150
ARCHERWICHITA FALLS, TX$275,665$352,950$426,625$530,150
ARMSTRONGAMARILLO, TX$275,665$352,950$426,625$530,150
ATASCOSASAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
AUSTINHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
BAILEYNON-METRO$275,665$352,950$426,625$530,150
BANDERASAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
BASTROPAUSTIN-ROUND ROCK, TX$361,100$462,250$558,750$694,400
BAYLORNON-METRO$275,665$352,950$426,625$530,150
BEEBEEVILLE, TX$275,665$352,950$426,625$530,150
BELLKILLEEN-TEMPLE, TX$275,665$352,950$426,625$530,150
BEXARSAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
BLANCONON-METRO$275,665$352,950$426,625$530,150
BORDENNON-METRO$275,665$352,950$426,625$530,150
BOSQUENON-METRO$275,665$352,950$426,625$530,150
BOWIETEXARKANA, TX-AR$275,665$352,950$426,625$530,150
BRAZORIAHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
BRAZOSCOLLEGE STATION-BRYAN, TX$275,665$352,950$426,625$530,150
BREWSTERNON-METRO$275,665$352,950$426,625$530,150
BRISCOENON-METRO$275,665$352,950$426,625$530,150
BROOKSNON-METRO$275,665$352,950$426,625$530,150
BROWNBROWNWOOD, TX$275,665$352,950$426,625$530,150
BURLESONCOLLEGE STATION-BRYAN, TX$275,665$352,950$426,625$530,150
BURNETNON-METRO$275,665$352,950$426,625$530,150
CALDWELLAUSTIN-ROUND ROCK, TX$361,100$462,250$558,750$694,400
CALHOUNPORT LAVACA, TX$275,665$352,950$426,625$530,150
CALLAHANABILENE, TX$275,665$352,950$426,625$530,150
CAMERONBROWNSVILLE-HARLINGEN, TX$275,665$352,950$426,625$530,150
CAMPNON-METRO$275,665$352,950$426,625$530,150
CARSONAMARILLO, TX$275,665$352,950$426,625$530,150
CASSNON-METRO$275,665$352,950$426,625$530,150
CASTRONON-METRO$275,665$352,950$426,625$530,150
CHAMBERSHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
CHEROKEEJACKSONVILLE, TX$275,665$352,950$426,625$530,150
CHILDRESSNON-METRO$275,665$352,950$426,625$530,150
CLAYWICHITA FALLS, TX$275,665$352,950$426,625$530,150
COCHRANNON-METRO$275,665$352,950$426,625$530,150
COKENON-METRO$275,665$352,950$426,625$530,150
COLEMANNON-METRO$275,665$352,950$426,625$530,150
COLLINDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
COLLINGSWORTHNON-METRO$275,665$352,950$426,625$530,150
COLORADONON-METRO$275,665$352,950$426,625$530,150
COMALSAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
COMANCHENON-METRO$275,665$352,950$426,625$530,150
CONCHONON-METRO$275,665$352,950$426,625$530,150
COOKEGAINESVILLE, TX$275,665$352,950$426,625$530,150
CORYELLKILLEEN-TEMPLE, TX$275,665$352,950$426,625$530,150
COTTLENON-METRO$275,665$352,950$426,625$530,150
CRANENON-METRO$275,665$352,950$426,625$530,150
CROCKETTNON-METRO$275,665$352,950$426,625$530,150
CROSBYLUBBOCK, TX$275,665$352,950$426,625$530,150
CULBERSONNON-METRO$275,665$352,950$426,625$530,150
DALLAMNON-METRO$275,665$352,950$426,625$530,150
DALLASDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
DAWSONLAMESA, TX$275,665$352,950$426,625$530,150
DEAF SMITHHEREFORD, TX$275,665$352,950$426,625$530,150
DELTANON-METRO$275,665$352,950$426,625$530,150
DENTONDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
DEWITTNON-METRO$275,665$352,950$426,625$530,150
DICKENSNON-METRO$275,665$352,950$426,625$530,150
DIMMITNON-METRO$275,665$352,950$426,625$530,150
DONLEYNON-METRO$275,665$352,950$426,625$530,150
DUVALNON-METRO$275,665$352,950$426,625$530,150
EASTLANDNON-METRO$275,665$352,950$426,625$530,150
ECTORODESSA, TX$275,665$352,950$426,625$530,150
EDWARDSNON-METRO$275,665$352,950$426,625$530,150
EL PASOEL PASO, TX$275,665$352,950$426,625$530,150
ELLISDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
ERATHSTEPHENVILLE, TX$275,665$352,950$426,625$530,150
FALLSWACO, TX$275,665$352,950$426,625$530,150
FANNINNON-METRO$275,665$352,950$426,625$530,150
FAYETTENON-METRO$275,665$352,950$426,625$530,150
FISHERNON-METRO$275,665$352,950$426,625$530,150
FLOYDNON-METRO$275,665$352,950$426,625$530,150
FOARDNON-METRO$275,665$352,950$426,625$530,150
FORT BENDHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
FRANKLINNON-METRO$275,665$352,950$426,625$530,150
FREESTONENON-METRO$275,665$352,950$426,625$530,150
FRIONON-METRO$275,665$352,950$426,625$530,150
GAINESNON-METRO$275,665$352,950$426,625$530,150
GALVESTONHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
GARZANON-METRO$275,665$352,950$426,625$530,150
GILLESPIEFREDERICKSBURG, TX$281,750$360,700$436,000$541,800
GLASSCOCKBIG SPRING, TX$275,665$352,950$426,625$530,150
GOLIADVICTORIA, TX$275,665$352,950$426,625$530,150
GONZALESNON-METRO$275,665$352,950$426,625$530,150
GRAYPAMPA, TX$275,665$352,950$426,625$530,150
GRAYSONSHERMAN-DENISON, TX$275,665$352,950$426,625$530,150
GREGGLONGVIEW, TX$275,665$352,950$426,625$530,150
GRIMESNON-METRO$275,665$352,950$426,625$530,150
GUADALUPESAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
HALEPLAINVIEW, TX$275,665$352,950$426,625$530,150
HALLNON-METRO$275,665$352,950$426,625$530,150
HAMILTONNON-METRO$275,665$352,950$426,625$530,150
HANSFORDNON-METRO$275,665$352,950$426,625$530,150
HARDEMANNON-METRO$275,665$352,950$426,625$530,150
HARDINBEAUMONT-PORT ARTHUR, TX$275,665$352,950$426,625$530,150
HARRISHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
HARRISONMARSHALL, TX$275,665$352,950$426,625$530,150
HARTLEYNON-METRO$275,665$352,950$426,625$530,150
HASKELLNON-METRO$275,665$352,950$426,625$530,150
HAYSAUSTIN-ROUND ROCK, TX$361,100$462,250$558,750$694,400
HEMPHILLNON-METRO$275,665$352,950$426,625$530,150
HENDERSONATHENS, TX$275,665$352,950$426,625$530,150
HIDALGOMCALLEN-EDINBURG-MISSION, TX$275,665$352,950$426,625$530,150
HILLNON-METRO$275,665$352,950$426,625$530,150
HOCKLEYLEVELLAND, TX$275,665$352,950$426,625$530,150
HOODDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
HOPKINSSULPHUR SPRINGS, TX$275,665$352,950$426,625$530,150
HOUSTONNON-METRO$275,665$352,950$426,625$530,150
HOWARDBIG SPRING, TX$275,665$352,950$426,625$530,150
HUDSPETHEL PASO, TX$275,665$352,950$426,625$530,150
HUNTDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
HUTCHINSONBORGER, TX$275,665$352,950$426,625$530,150
IRIONSAN ANGELO, TX$275,665$352,950$426,625$530,150
JACKNON-METRO$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
JASPERNON-METRO$275,665$352,950$426,625$530,150
JEFF DAVISNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONBEAUMONT-PORT ARTHUR, TX$275,665$352,950$426,625$530,150
JIM HOGGNON-METRO$275,665$352,950$426,625$530,150
JIM WELLSALICE, TX$275,665$352,950$426,625$530,150
JOHNSONDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
JONESABILENE, TX$275,665$352,950$426,625$530,150
KARNESNON-METRO$275,665$352,950$426,625$530,150
KAUFMANDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
KENDALLSAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
KENEDYKINGSVILLE, TX$275,665$352,950$426,625$530,150
KENTNON-METRO$275,665$352,950$426,625$530,150
KERRKERRVILLE, TX$275,665$352,950$426,625$530,150
KIMBLENON-METRO$275,665$352,950$426,625$530,150
KINGNON-METRO$275,665$352,950$426,625$530,150
KINNEYNON-METRO$275,665$352,950$426,625$530,150
KLEBERGKINGSVILLE, TX$275,665$352,950$426,625$530,150
KNOXNON-METRO$275,665$352,950$426,625$530,150
LA SALLENON-METRO$275,665$352,950$426,625$530,150
LAMARPARIS, TX$275,665$352,950$426,625$530,150
LAMBNON-METRO$275,665$352,950$426,625$530,150
LAMPASASKILLEEN-TEMPLE, TX$275,665$352,950$426,625$530,150
LAVACANON-METRO$275,665$352,950$426,625$530,150
LEENON-METRO$275,665$352,950$426,625$530,150
LEONNON-METRO$275,665$352,950$426,625$530,150
LIBERTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
LIMESTONENON-METRO$275,665$352,950$426,625$530,150
LIPSCOMBNON-METRO$275,665$352,950$426,625$530,150
LIVE OAKNON-METRO$275,665$352,950$426,625$530,150
LLANONON-METRO$275,665$352,950$426,625$530,150
LOVINGNON-METRO$275,665$352,950$426,625$530,150
LUBBOCKLUBBOCK, TX$275,665$352,950$426,625$530,150
LYNNLUBBOCK, TX$275,665$352,950$426,625$530,150
MADISONNON-METRO$275,665$352,950$426,625$530,150
MARIONNON-METRO$275,665$352,950$426,625$530,150
MARTINMIDLAND, TX$285,200$365,100$441,300$548,450
MASONNON-METRO$275,665$352,950$426,625$530,150
MATAGORDABAY CITY, TX$275,665$352,950$426,625$530,150
MAVERICKEAGLE PASS, TX$275,665$352,950$426,625$530,150
MCCULLOCHNON-METRO$275,665$352,950$426,625$530,150
MCLENNANWACO, TX$275,665$352,950$426,625$530,150
MCMULLENNON-METRO$275,665$352,950$426,625$530,150
MEDINASAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
MENARDNON-METRO$275,665$352,950$426,625$530,150
MIDLANDMIDLAND, TX$285,200$365,100$441,300$548,450
MILAMNON-METRO$275,665$352,950$426,625$530,150
MILLSNON-METRO$275,665$352,950$426,625$530,150
MITCHELLNON-METRO$275,665$352,950$426,625$530,150
MONTAGUENON-METRO$275,665$352,950$426,625$530,150
MONTGOMERYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
MOOREDUMAS, TX$275,665$352,950$426,625$530,150
MORRISNON-METRO$275,665$352,950$426,625$530,150
MOTLEYNON-METRO$275,665$352,950$426,625$530,150
NACOGDOCHESNACOGDOCHES, TX$275,665$352,950$426,625$530,150
NAVARROCORSICANA, TX$275,665$352,950$426,625$530,150
NEWTONBEAUMONT-PORT ARTHUR, TX$275,665$352,950$426,625$530,150
NOLANSWEETWATER, TX$275,665$352,950$426,625$530,150
NUECESCORPUS CHRISTI, TX$275,665$352,950$426,625$530,150
OCHILTREENON-METRO$275,665$352,950$426,625$530,150
OLDHAMAMARILLO, TX$275,665$352,950$426,625$530,150
ORANGEBEAUMONT-PORT ARTHUR, TX$275,665$352,950$426,625$530,150
PALO PINTOMINERAL WELLS, TX$275,665$352,950$426,625$530,150
PANOLANON-METRO$275,665$352,950$426,625$530,150
PARKERDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
PARMERNON-METRO$275,665$352,950$426,625$530,150
PECOSNON-METRO$275,665$352,950$426,625$530,150
POLKNON-METRO$275,665$352,950$426,625$530,150
POTTERAMARILLO, TX$275,665$352,950$426,625$530,150
PRESIDIONON-METRO$275,665$352,950$426,625$530,150
RAINSNON-METRO$275,665$352,950$426,625$530,150
RANDALLAMARILLO, TX$275,665$352,950$426,625$530,150
REAGANNON-METRO$275,665$352,950$426,625$530,150
REALNON-METRO$275,665$352,950$426,625$530,150
RED RIVERNON-METRO$275,665$352,950$426,625$530,150
REEVESPECOS, TX$275,665$352,950$426,625$530,150
REFUGIONON-METRO$275,665$352,950$426,625$530,150
ROBERTSNON-METRO$275,665$352,950$426,625$530,150
ROBERTSONCOLLEGE STATION-BRYAN, TX$275,665$352,950$426,625$530,150
ROCKWALLDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
RUNNELSNON-METRO$275,665$352,950$426,625$530,150
RUSKLONGVIEW, TX$275,665$352,950$426,625$530,150
SABINENON-METRO$275,665$352,950$426,625$530,150
SAN AUGUSTINENON-METRO$275,665$352,950$426,625$530,150
SAN JACINTONON-METRO$275,665$352,950$426,625$530,150
SAN PATRICIOCORPUS CHRISTI, TX$275,665$352,950$426,625$530,150
SAN SABANON-METRO$275,665$352,950$426,625$530,150
SCHLEICHERNON-METRO$275,665$352,950$426,625$530,150
SCURRYSNYDER, TX$275,665$352,950$426,625$530,150
SHACKELFORDNON-METRO$275,665$352,950$426,625$530,150
SHELBYNON-METRO$275,665$352,950$426,625$530,150
SHERMANNON-METRO$275,665$352,950$426,625$530,150
SMITHTYLER, TX$275,665$352,950$426,625$530,150
SOMERVELLDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
STARRRIO GRANDE CITY, TX$275,665$352,950$426,625$530,150
STEPHENSNON-METRO$275,665$352,950$426,625$530,150
STERLINGNON-METRO$275,665$352,950$426,625$530,150
STONEWALLNON-METRO$275,665$352,950$426,625$530,150
SUTTONNON-METRO$275,665$352,950$426,625$530,150
SWISHERNON-METRO$275,665$352,950$426,625$530,150
TARRANTDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
TAYLORABILENE, TX$275,665$352,950$426,625$530,150
TERRELLNON-METRO$275,665$352,950$426,625$530,150
TERRYNON-METRO$275,665$352,950$426,625$530,150
THROCKMORTONNON-METRO$275,665$352,950$426,625$530,150
TITUSMOUNT PLEASANT, TX$275,665$352,950$426,625$530,150
TOM GREENSAN ANGELO, TX$275,665$352,950$426,625$530,150
TRAVISAUSTIN-ROUND ROCK, TX$361,100$462,250$558,750$694,400
TRINITYHUNTSVILLE, TX$275,665$352,950$426,625$530,150
TYLERNON-METRO$275,665$352,950$426,625$530,150
UPSHURLONGVIEW, TX$275,665$352,950$426,625$530,150
UPTONNON-METRO$275,665$352,950$426,625$530,150
UVALDEUVALDE, TX$275,665$352,950$426,625$530,150
VAL VERDEDEL RIO, TX$275,665$352,950$426,625$530,150
VAN ZANDTNON-METRO$275,665$352,950$426,625$530,150
VICTORIAVICTORIA, TX$275,665$352,950$426,625$530,150
WALKERHUNTSVILLE, TX$275,665$352,950$426,625$530,150
WALLERHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,200$424,000$512,500$636,900
WARDNON-METRO$275,665$352,950$426,625$530,150
WASHINGTONBRENHAM, TX$275,665$352,950$426,625$530,150
WEBBLAREDO, TX$275,665$352,950$426,625$530,150
WHARTONEL CAMPO, TX$275,665$352,950$426,625$530,150
WHEELERNON-METRO$275,665$352,950$426,625$530,150
WICHITAWICHITA FALLS, TX$275,665$352,950$426,625$530,150
WILBARGERVERNON, TX$275,665$352,950$426,625$530,150
WILLACYRAYMONDVILLE, TX$275,665$352,950$426,625$530,150
WILLIAMSONAUSTIN-ROUND ROCK, TX$361,100$462,250$558,750$694,400
WILSONSAN ANTONIO-NEW BRAUNFELS, TX$327,750$419,550$507,150$630,300
WINKLERNON-METRO$275,665$352,950$426,625$530,150
WISEDALLAS-FORT WORTH-ARLINGTON, TX$362,250$463,750$560,550$696,650
WOODNON-METRO$275,665$352,950$426,625$530,150
YOAKUMNON-METRO$275,665$352,950$426,625$530,150
YOUNGNON-METRO$275,665$352,950$426,625$530,150
ZAPATAZAPATA MICROPOLITAN STATISTICAL AREA$275,665$352,950$426,625$530,150
ZAVALANON-METRO$275,665$352,950$426,625$530,150

Texas FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are Texas FHA Limits Set?

Texas FHA Loan LimitsMortgage limits for Texas FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

Texas FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in Texas is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in Texas is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Texas FHA loan limits are set above the nationwide floor amount in San Antonio, Austin and Houston and surrounding areas. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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