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$331,760$424,800$513,450$638,100
ANDREWSANDREWS, TX$331,760$424,800$513,450$638,100
ANGELINALUFKIN, TX$331,760$424,800$513,450$638,100
ARANSASROCKPORT, TX$331,760$424,800$513,450$638,100
ARCHERWICHITA FALLS, TX$331,760$424,800$513,450$638,100
ARMSTRONGAMARILLO, TX$331,760$424,800$513,450$638,100
ATASCOSASAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
AUSTINHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
BAILEYNON-METRO$331,760$424,800$513,450$638,100
BANDERASAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
BASTROPAUSTIN-ROUND ROCK-GEORGETOWN, TX$404,800$518,200$626,400$778,450
BAYLORNON-METRO$331,760$424,800$513,450$638,100
BEEBEEVILLE, TX$331,760$424,800$513,450$638,100
BELLKILLEEN-TEMPLE, TX$331,760$424,800$513,450$638,100
BEXARSAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
BLANCONON-METRO$331,760$424,800$513,450$638,100
BORDENNON-METRO$331,760$424,800$513,450$638,100
BOSQUENON-METRO$331,760$424,800$513,450$638,100
BOWIETEXARKANA, TX-AR$331,760$424,800$513,450$638,100
BRAZORIAHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
BRAZOSCOLLEGE STATION-BRYAN, TX$331,760$424,800$513,450$638,100
BREWSTERNON-METRO$331,760$424,800$513,450$638,100
BRISCOENON-METRO$331,760$424,800$513,450$638,100
BROOKSNON-METRO$331,760$424,800$513,450$638,100
BROWNBROWNWOOD, TX$331,760$424,800$513,450$638,100
BURLESONCOLLEGE STATION-BRYAN, TX$331,760$424,800$513,450$638,100
BURNETNON-METRO$331,760$424,800$513,450$638,100
CALDWELLAUSTIN-ROUND ROCK-GEORGETOWN, TX$404,800$518,200$626,400$778,450
CALHOUNPORT LAVACA, TX$331,760$424,800$513,450$638,100
CALLAHANABILENE, TX$331,760$424,800$513,450$638,100
CAMERONBROWNSVILLE-HARLINGEN, TX$331,760$424,800$513,450$638,100
CAMPMOUNT PLEASANT, TX$331,760$424,800$513,450$638,100
CARSONAMARILLO, TX$331,760$424,800$513,450$638,100
CASSNON-METRO$331,760$424,800$513,450$638,100
CASTRONON-METRO$331,760$424,800$513,450$638,100
CHAMBERSHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
CHEROKEEJACKSONVILLE, TX$331,760$424,800$513,450$638,100
CHILDRESSNON-METRO$331,760$424,800$513,450$638,100
CLAYWICHITA FALLS, TX$331,760$424,800$513,450$638,100
COCHRANNON-METRO$331,760$424,800$513,450$638,100
COKENON-METRO$331,760$424,800$513,450$638,100
COLEMANNON-METRO$331,760$424,800$513,450$638,100
COLLINDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
COLLINGSWORTHNON-METRO$331,760$424,800$513,450$638,100
COLORADONON-METRO$331,760$424,800$513,450$638,100
COMALSAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
COMANCHENON-METRO$331,760$424,800$513,450$638,100
CONCHONON-METRO$331,760$424,800$513,450$638,100
COOKEGAINESVILLE, TX$331,760$424,800$513,450$638,100
CORYELLKILLEEN-TEMPLE, TX$331,760$424,800$513,450$638,100
COTTLENON-METRO$331,760$424,800$513,450$638,100
CRANENON-METRO$331,760$424,800$513,450$638,100
CROCKETTNON-METRO$331,760$424,800$513,450$638,100
CROSBYLUBBOCK, TX$331,760$424,800$513,450$638,100
CULBERSONNON-METRO$331,760$424,800$513,450$638,100
DALLAMNON-METRO$331,760$424,800$513,450$638,100
DALLASDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
DAWSONLAMESA, TX$331,760$424,800$513,450$638,100
DEAF SMITHHEREFORD, TX$331,760$424,800$513,450$638,100
DELTANON-METRO$331,760$424,800$513,450$638,100
DENTONDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
DEWITTNON-METRO$331,760$424,800$513,450$638,100
DICKENSNON-METRO$331,760$424,800$513,450$638,100
DIMMITNON-METRO$331,760$424,800$513,450$638,100
DONLEYNON-METRO$331,760$424,800$513,450$638,100
DUVALALICE, TX$331,760$424,800$513,450$638,100
EASTLANDNON-METRO$331,760$424,800$513,450$638,100
ECTORODESSA, TX$331,760$424,800$513,450$638,100
EDWARDSNON-METRO$331,760$424,800$513,450$638,100
EL PASOEL PASO, TX$331,760$424,800$513,450$638,100
ELLISDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
ERATHSTEPHENVILLE, TX$331,760$424,800$513,450$638,100
FALLSWACO, TX$331,760$424,800$513,450$638,100
FANNINBONHAM, TX$331,760$424,800$513,450$638,100
FAYETTENON-METRO$331,760$424,800$513,450$638,100
FISHERNON-METRO$331,760$424,800$513,450$638,100
FLOYDNON-METRO$331,760$424,800$513,450$638,100
FOARDNON-METRO$331,760$424,800$513,450$638,100
FORT BENDHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
FRANKLINNON-METRO$331,760$424,800$513,450$638,100
FREESTONENON-METRO$331,760$424,800$513,450$638,100
FRIOPEARSALL, TX$331,760$424,800$513,450$638,100
GAINESNON-METRO$331,760$424,800$513,450$638,100
GALVESTONHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
GARZANON-METRO$331,760$424,800$513,450$638,100
GILLESPIEFREDERICKSBURG, TX$331,760$424,800$513,450$638,100
GLASSCOCKNON-METRO$331,760$424,800$513,450$638,100
GOLIADVICTORIA, TX$331,760$424,800$513,450$638,100
GONZALESNON-METRO$331,760$424,800$513,450$638,100
GRAYPAMPA, TX$331,760$424,800$513,450$638,100
GRAYSONSHERMAN-DENISON, TX$331,760$424,800$513,450$638,100
GREGGLONGVIEW, TX$331,760$424,800$513,450$638,100
GRIMESNON-METRO$331,760$424,800$513,450$638,100
GUADALUPESAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
HALEPLAINVIEW, TX$331,760$424,800$513,450$638,100
HALLNON-METRO$331,760$424,800$513,450$638,100
HAMILTONNON-METRO$331,760$424,800$513,450$638,100
HANSFORDNON-METRO$331,760$424,800$513,450$638,100
HARDEMANNON-METRO$331,760$424,800$513,450$638,100
HARDINBEAUMONT-PORT ARTHUR, TX$331,760$424,800$513,450$638,100
HARRISHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
HARRISONLONGVIEW, TX$331,760$424,800$513,450$638,100
HARTLEYNON-METRO$331,760$424,800$513,450$638,100
HASKELLNON-METRO$331,760$424,800$513,450$638,100
HAYSAUSTIN-ROUND ROCK-GEORGETOWN, TX$404,800$518,200$626,400$778,450
HEMPHILLNON-METRO$331,760$424,800$513,450$638,100
HENDERSONATHENS, TX$331,760$424,800$513,450$638,100
HIDALGOMCALLEN-EDINBURG-MISSION, TX$331,760$424,800$513,450$638,100
HILLNON-METRO$331,760$424,800$513,450$638,100
HOCKLEYLEVELLAND, TX$331,760$424,800$513,450$638,100
HOODGRANBURY, TX$331,760$424,800$513,450$638,100
HOPKINSSULPHUR SPRINGS, TX$331,760$424,800$513,450$638,100
HOUSTONNON-METRO$331,760$424,800$513,450$638,100
HOWARDBIG SPRING, TX$331,760$424,800$513,450$638,100
HUDSPETHEL PASO, TX$331,760$424,800$513,450$638,100
HUNTDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
HUTCHINSONBORGER, TX$331,760$424,800$513,450$638,100
IRIONSAN ANGELO, TX$331,760$424,800$513,450$638,100
JACKNON-METRO$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JASPERNON-METRO$331,760$424,800$513,450$638,100
JEFF DAVISNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONBEAUMONT-PORT ARTHUR, TX$331,760$424,800$513,450$638,100
JIM HOGGNON-METRO$331,760$424,800$513,450$638,100
JIM WELLSALICE, TX$331,760$424,800$513,450$638,100
JOHNSONDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
JONESABILENE, TX$331,760$424,800$513,450$638,100
KARNESNON-METRO$331,760$424,800$513,450$638,100
KAUFMANDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
KENDALLSAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
KENEDYKINGSVILLE, TX$331,760$424,800$513,450$638,100
KENTNON-METRO$331,760$424,800$513,450$638,100
KERRKERRVILLE, TX$331,760$424,800$513,450$638,100
KIMBLENON-METRO$331,760$424,800$513,450$638,100
KINGNON-METRO$331,760$424,800$513,450$638,100
KINNEYNON-METRO$331,760$424,800$513,450$638,100
KLEBERGKINGSVILLE, TX$331,760$424,800$513,450$638,100
KNOXNON-METRO$331,760$424,800$513,450$638,100
LA SALLENON-METRO$331,760$424,800$513,450$638,100
LAMARPARIS, TX$331,760$424,800$513,450$638,100
LAMBNON-METRO$331,760$424,800$513,450$638,100
LAMPASASKILLEEN-TEMPLE, TX$331,760$424,800$513,450$638,100
LAVACANON-METRO$331,760$424,800$513,450$638,100
LEENON-METRO$331,760$424,800$513,450$638,100
LEONNON-METRO$331,760$424,800$513,450$638,100
LIBERTYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
LIMESTONENON-METRO$331,760$424,800$513,450$638,100
LIPSCOMBNON-METRO$331,760$424,800$513,450$638,100
LIVE OAKNON-METRO$331,760$424,800$513,450$638,100
LLANONON-METRO$331,760$424,800$513,450$638,100
LOVINGPECOS, TX$331,760$424,800$513,450$638,100
LUBBOCKLUBBOCK, TX$331,760$424,800$513,450$638,100
LYNNLUBBOCK, TX$331,760$424,800$513,450$638,100
MADISONNON-METRO$331,760$424,800$513,450$638,100
MARIONNON-METRO$331,760$424,800$513,450$638,100
MARTINMIDLAND, TX$341,550$437,250$528,500$656,800
MASONNON-METRO$331,760$424,800$513,450$638,100
MATAGORDABAY CITY, TX$331,760$424,800$513,450$638,100
MAVERICKEAGLE PASS, TX$331,760$424,800$513,450$638,100
MCCULLOCHNON-METRO$331,760$424,800$513,450$638,100
MCLENNANWACO, TX$331,760$424,800$513,450$638,100
MCMULLENNON-METRO$331,760$424,800$513,450$638,100
MEDINASAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
MENARDNON-METRO$331,760$424,800$513,450$638,100
MIDLANDMIDLAND, TX$341,550$437,250$528,500$656,800
MILAMNON-METRO$331,760$424,800$513,450$638,100
MILLSNON-METRO$331,760$424,800$513,450$638,100
MITCHELLNON-METRO$331,760$424,800$513,450$638,100
MONTAGUENON-METRO$331,760$424,800$513,450$638,100
MONTGOMERYHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
MOOREDUMAS, TX$331,760$424,800$513,450$638,100
MORRISNON-METRO$331,760$424,800$513,450$638,100
MOTLEYNON-METRO$331,760$424,800$513,450$638,100
NACOGDOCHESNACOGDOCHES, TX$331,760$424,800$513,450$638,100
NAVARROCORSICANA, TX$331,760$424,800$513,450$638,100
NEWTONNON-METRO$331,760$424,800$513,450$638,100
NOLANSWEETWATER, TX$331,760$424,800$513,450$638,100
NUECESCORPUS CHRISTI, TX$331,760$424,800$513,450$638,100
OCHILTREENON-METRO$331,760$424,800$513,450$638,100
OLDHAMAMARILLO, TX$331,760$424,800$513,450$638,100
ORANGEBEAUMONT-PORT ARTHUR, TX$331,760$424,800$513,450$638,100
PALO PINTOMINERAL WELLS, TX$331,760$424,800$513,450$638,100
PANOLANON-METRO$331,760$424,800$513,450$638,100
PARKERDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
PARMERNON-METRO$331,760$424,800$513,450$638,100
PECOSNON-METRO$331,760$424,800$513,450$638,100
POLKNON-METRO$331,760$424,800$513,450$638,100
POTTERAMARILLO, TX$331,760$424,800$513,450$638,100
PRESIDIONON-METRO$331,760$424,800$513,450$638,100
RAINSNON-METRO$331,760$424,800$513,450$638,100
RANDALLAMARILLO, TX$331,760$424,800$513,450$638,100
REAGANNON-METRO$331,760$424,800$513,450$638,100
REALNON-METRO$331,760$424,800$513,450$638,100
RED RIVERNON-METRO$331,760$424,800$513,450$638,100
REEVESPECOS, TX$331,760$424,800$513,450$638,100
REFUGIONON-METRO$331,760$424,800$513,450$638,100
ROBERTSPAMPA, TX$331,760$424,800$513,450$638,100
ROBERTSONCOLLEGE STATION-BRYAN, TX$331,760$424,800$513,450$638,100
ROCKWALLDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
RUNNELSNON-METRO$331,760$424,800$513,450$638,100
RUSKLONGVIEW, TX$331,760$424,800$513,450$638,100
SABINENON-METRO$331,760$424,800$513,450$638,100
SAN AUGUSTINENON-METRO$331,760$424,800$513,450$638,100
SAN JACINTONON-METRO$331,760$424,800$513,450$638,100
SAN PATRICIOCORPUS CHRISTI, TX$331,760$424,800$513,450$638,100
SAN SABANON-METRO$331,760$424,800$513,450$638,100
SCHLEICHERNON-METRO$331,760$424,800$513,450$638,100
SCURRYSNYDER, TX$331,760$424,800$513,450$638,100
SHACKELFORDNON-METRO$331,760$424,800$513,450$638,100
SHELBYNON-METRO$331,760$424,800$513,450$638,100
SHERMANNON-METRO$331,760$424,800$513,450$638,100
SMITHTYLER, TX$331,760$424,800$513,450$638,100
SOMERVELLNON-METRO$331,760$424,800$513,450$638,100
STARRRIO GRANDE CITY-ROMA, TX$331,760$424,800$513,450$638,100
STEPHENSNON-METRO$331,760$424,800$513,450$638,100
STERLINGSAN ANGELO, TX$331,760$424,800$513,450$638,100
STONEWALLNON-METRO$331,760$424,800$513,450$638,100
SUTTONNON-METRO$331,760$424,800$513,450$638,100
SWISHERNON-METRO$331,760$424,800$513,450$638,100
TARRANTDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
TAYLORABILENE, TX$331,760$424,800$513,450$638,100
TERRELLNON-METRO$331,760$424,800$513,450$638,100
TERRYNON-METRO$331,760$424,800$513,450$638,100
THROCKMORTONNON-METRO$331,760$424,800$513,450$638,100
TITUSMOUNT PLEASANT, TX$331,760$424,800$513,450$638,100
TOM GREENSAN ANGELO, TX$331,760$424,800$513,450$638,100
TRAVISAUSTIN-ROUND ROCK-GEORGETOWN, TX$404,800$518,200$626,400$778,450
TRINITYNON-METRO$331,760$424,800$513,450$638,100
TYLERNON-METRO$331,760$424,800$513,450$638,100
UPSHURLONGVIEW, TX$331,760$424,800$513,450$638,100
UPTONNON-METRO$331,760$424,800$513,450$638,100
UVALDEUVALDE, TX$331,760$424,800$513,450$638,100
VAL VERDEDEL RIO, TX$331,760$424,800$513,450$638,100
VAN ZANDTNON-METRO$331,760$424,800$513,450$638,100
VICTORIAVICTORIA, TX$331,760$424,800$513,450$638,100
WALKERHUNTSVILLE, TX$331,760$424,800$513,450$638,100
WALLERHOUSTON-THE WOODLANDS-SUGAR LAND, TX$331,760$424,800$513,450$638,100
WARDNON-METRO$331,760$424,800$513,450$638,100
WASHINGTONBRENHAM, TX$331,760$424,800$513,450$638,100
WEBBLAREDO, TX$331,760$424,800$513,450$638,100
WHARTONEL CAMPO, TX$331,760$424,800$513,450$638,100
WHEELERNON-METRO$331,760$424,800$513,450$638,100
WICHITAWICHITA FALLS, TX$331,760$424,800$513,450$638,100
WILBARGERVERNON, TX$331,760$424,800$513,450$638,100
WILLACYRAYMONDVILLE, TX$331,760$424,800$513,450$638,100
WILLIAMSONAUSTIN-ROUND ROCK-GEORGETOWN, TX$404,800$518,200$626,400$778,450
WILSONSAN ANTONIO-NEW BRAUNFELS, TX$393,300$503,500$608,600$756,350
WINKLERNON-METRO$331,760$424,800$513,450$638,100
WISEDALLAS-FORT WORTH-ARLINGTON, TX$404,800$518,200$626,400$778,450
WOODNON-METRO$331,760$424,800$513,450$638,100
YOAKUMNON-METRO$331,760$424,800$513,450$638,100
YOUNGNON-METRO$331,760$424,800$513,450$638,100
ZAPATAZAPATA, TX$331,760$424,800$513,450$638,100
ZAVALANON-METRO$331,760$424,800$513,450$638,100

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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