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.
| County | City | One-Family | Two-Family | Three-Family | Four-Family |
|---|---|---|---|---|---|
| ANDERSON COUNTY | PALESTINE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ANDREWS COUNTY | ANDREWS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ANGELINA COUNTY | LUFKIN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ARANSAS COUNTY | ROCKPORT, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ARCHER COUNTY | WICHITA FALLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ARMSTRONG COUNTY | AMARILLO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ATASCOSA COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| AUSTIN COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BAILEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BANDERA COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| BASTROP COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| BAYLOR COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BEE COUNTY | BEEVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BELL COUNTY | KILLEEN-TEMPLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BEXAR COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| BLANCO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BORDEN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BOSQUE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BOWIE COUNTY | TEXARKANA, TX-AR | $420,680 | $538,650 | $651,050 | $809,150 |
| BRAZORIA COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BRAZOS COUNTY | COLLEGE STATION-BRYAN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BREWSTER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BRISCOE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BROOKS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BROWN COUNTY | BROWNWOOD, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BURLESON COUNTY | COLLEGE STATION-BRYAN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BURNET COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CALDWELL COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| CALHOUN COUNTY | PORT LAVACA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CALLAHAN COUNTY | ABILENE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CAMERON COUNTY | BROWNSVILLE-HARLINGEN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CAMP COUNTY | MOUNT PLEASANT, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CARSON COUNTY | AMARILLO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CASS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CASTRO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CHAMBERS COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CHEROKEE COUNTY | JACKSONVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CHILDRESS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CLAY COUNTY | WICHITA FALLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| COCHRAN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COKE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COLEMAN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COLLIN COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| COLLINGSWORTH COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COLORADO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COMAL COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| COMANCHE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CONCHO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COOKE COUNTY | GAINESVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CORYELL COUNTY | KILLEEN-TEMPLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MCCULLOCH COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MENARD COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MILAM COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| PARMER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| PECOS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SWISHER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| TERRELL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| THROCKMORTON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| WILLIAMSON COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| BASTROP COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| BELL COUNTY | KILLEEN-TEMPLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BOWIE COUNTY | TEXARKANA, TX-AR | $420,680 | $538,650 | $651,050 | $809,150 |
| BROOKS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BROWN COUNTY | BROWNWOOD, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CALLAHAN COUNTY | ABILENE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| COKE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CULBERSON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DEAF SMITH COUNTY | HEREFORD, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| DIMMIT COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DONLEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| GAINES COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HARDIN COUNTY | BEAUMONT-PORT ARTHUR, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HARRISON COUNTY | LONGVIEW, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HENDERSON COUNTY | ATHENS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| JACK COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| JEFF DAVIS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| JEFFERSON COUNTY | BEAUMONT-PORT ARTHUR, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| JONES COUNTY | ABILENE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LAVACA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MIDLAND COUNTY | MIDLAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MONTGOMERY COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| NUECES COUNTY | CORPUS CHRISTI, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| REAL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| REEVES COUNTY | PECOS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ROBERTSON COUNTY | COLLEGE STATION-BRYAN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN JACINTO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| TAYLOR COUNTY | ABILENE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| TITUS COUNTY | MOUNT PLEASANT, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WHEELER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BAILEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BEXAR COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| BRAZOS COUNTY | COLLEGE STATION-BRYAN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BRISCOE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BURNET COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COMAL COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| COMANCHE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CROCKETT COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DICKENS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DUVAL COUNTY | ALICE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ECTOR COUNTY | ODESSA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| EDWARDS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| EL PASO COUNTY | EL PASO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| FORT BEND COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| FRANKLIN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| GARZA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| GRIMES COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HARRIS COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HAYS COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| HOUSTON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| IRION COUNTY | SAN ANGELO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| JACKSON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| JOHNSON COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| KINNEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| LLANO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MCLENNAN COUNTY | WACO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MARION COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MASON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MAVERICK COUNTY | EAGLE PASS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MORRIS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MOTLEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| OCHILTREE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| ORANGE COUNTY | BEAUMONT-PORT ARTHUR, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| PANOLA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| ROBERTS COUNTY | PAMPA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| SHELBY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| TOM GREEN COUNTY | SAN ANGELO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| TYLER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| UPTON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| VAL VERDE COUNTY | DEL RIO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WALKER COUNTY | HUNTSVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WILSON COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| WOOD COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| ANDERSON COUNTY | PALESTINE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ANGELINA COUNTY | LUFKIN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ARCHER COUNTY | WICHITA FALLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| AUSTIN COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BOSQUE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CALHOUN COUNTY | PORT LAVACA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CASTRO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CLAY COUNTY | WICHITA FALLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| COCHRAN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COLORADO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CORYELL COUNTY | KILLEEN-TEMPLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| GALVESTON COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| GLASSCOCK COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| GRAY COUNTY | PAMPA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| GUADALUPE COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| HALE COUNTY | PLAINVIEW, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HALL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HOWARD COUNTY | BIG SPRING, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| KENDALL COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| KNOX COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| LA SALLE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MILLS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MITCHELL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MOORE COUNTY | DUMAS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| NOLAN COUNTY | SWEETWATER, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| PARKER COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| REAGAN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN AUGUSTINE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SAN SABA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| TARRANT COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| TERRY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| TRINITY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| WICHITA COUNTY | WICHITA FALLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ARMSTRONG COUNTY | AMARILLO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| BREWSTER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CHAMBERS COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| COOKE COUNTY | GAINESVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CROSBY COUNTY | LUBBOCK, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| ERATH COUNTY | STEPHENVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| FRIO COUNTY | PEARSALL, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| GONZALES COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HARDEMAN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HUTCHINSON COUNTY | BORGER, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| KARNES COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| LIBERTY COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LIMESTONE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| LIVE OAK COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| LOVING COUNTY | PECOS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LUBBOCK COUNTY | LUBBOCK, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MADISON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| MARTIN COUNTY | MIDLAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MATAGORDA COUNTY | BAY CITY, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MEDINA COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| MONTAGUE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| NACOGDOCHES COUNTY | NACOGDOCHES, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| RUNNELS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SOMERVELL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| STEPHENS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| STONEWALL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| UPSHUR COUNTY | LONGVIEW, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| UVALDE COUNTY | UVALDE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| VAN ZANDT COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| WARD COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| YOAKUM COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| YOUNG COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| ZAVALA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CAMP COUNTY | MOUNT PLEASANT, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CASS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| CHILDRESS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| COLLIN COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| CRANE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DELTA COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| FANNIN COUNTY | BONHAM, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| FISHER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| GILLESPIE COUNTY | FREDERICKSBURG, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| GRAYSON COUNTY | SHERMAN-DENISON, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HAMILTON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HANSFORD COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HARTLEY COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HOCKLEY COUNTY | LEVELLAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HOOD COUNTY | GRANBURY, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HUDSPETH COUNTY | EL PASO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| HUNT COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| KENEDY COUNTY | KINGSVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| KENT COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| KLEBERG COUNTY | KINGSVILLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LAMAR COUNTY | PARIS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LAMPASAS COUNTY | KILLEEN-TEMPLE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| LYNN COUNTY | LUBBOCK, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| MCMULLEN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| NAVARRO COUNTY | CORSICANA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| PALO PINTO COUNTY | MINERAL WELLS, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| POLK COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| PRESIDIO COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| RANDALL COUNTY | AMARILLO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| RED RIVER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SABINE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SHACKELFORD COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| STARR COUNTY | RIO GRANDE CITY-ROMA, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| STERLING COUNTY | SAN ANGELO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| TRAVIS COUNTY | AUSTIN-ROUND ROCK-GEORGETOWN, TX | $483,000 | $618,300 | $747,400 | $928,850 |
| WALLER COUNTY | HOUSTON-THE WOODLANDS-SUGAR LAND, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WILBARGER COUNTY | VERNON, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WISE COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| BANDERA COUNTY | SAN ANTONIO-NEW BRAUNFELS, TX | $449,650 | $575,600 | $695,800 | $864,700 |
| BAYLOR COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BORDEN COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| BURLESON COUNTY | COLLEGE STATION-BRYAN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CAMERON COUNTY | BROWNSVILLE-HARLINGEN, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| CARSON COUNTY | AMARILLO, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| DALLAM COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| DEWITT COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| FAYETTE COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HEMPHILL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| HILL COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| JIM WELLS COUNTY | ALICE, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| NEWTON COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| RAINS COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| ROCKWALL COUNTY | DALLAS-FORT WORTH-ARLINGTON, TX | $450,800 | $577,100 | $697,600 | $866,950 |
| SCHLEICHER COUNTY | NON-METRO | $420,680 | $538,650 | $651,050 | $809,150 |
| SCURRY COUNTY | SNYDER, TX | $420,680 | $538,650 | $651,050 | $809,150 |
| WINKLER COUNTY | NON-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.
