Loan Limits in Texas
2026 Texas Mortgage Guide
Texas Loan Limits at a Glance
Understand the financing thresholds that may affect conventional, FHA, and VA home loans in Texas.
Loan limits vary by mortgage program, property type, county, and borrower eligibility. Use these figures as a planning reference and confirm the current limit with a licensed mortgage professional.
Standard Conforming Limit
$832,750
Single-family conventional loan limit
For 2026, the standard conforming loan limit for a one-unit property across Texas is $832,750.
Based on the information provided, no Texas counties are designated as FHFA high-cost areas, so the baseline limit applies statewide.
The same one-unit baseline applies from major metropolitan areas such as Dallas–Fort Worth and Houston to rural Texas counties.
Conforming Loan Limits
Limits by property type.
One Unit
Single-Family Home
$832,750 Standard limit for a one-unit residential property.Two Units
Duplex
$1,066,250 Maximum conforming amount for an eligible two-unit property.Three Units
Triplex
$1,288,800 Maximum conforming amount for an eligible three-unit property.Four Units
Fourplex
$1,601,750 Maximum conforming amount for an eligible four-unit property.Program Comparison
Conventional, FHA, and VA financing.
Conforming Loans
Conventional loans intended for sale to Fannie Mae or Freddie Mac must generally remain within the applicable conforming loan limit.
- One-Unit Limit
- $832,750
- Texas High-Cost Counties
- None listed in the provided information
FHA Loan Limits
The baseline FHA floor for a one-unit home in standard-cost Texas counties begins at $541,287.
FHA limits can be higher in certain metropolitan statistical areas and should be confirmed at the county level.
- Baseline One-Unit Floor
- $541,287
- Limit Type
- County-specific
VA Loan Limits
Veterans with full VA entitlement generally do not have an official VA loan cap for a zero-down purchase.
Borrowers with partial or reduced entitlement may be subject to a county-based calculation tied to the conforming loan limit.
- Full Entitlement
- No official zero-down cap
- Partial Entitlement Reference
- $832,750 baseline
Quick Comparison
Which limit may apply?
Statewide conforming baseline based on the information provided.
County-level limits may increase in certain metropolitan areas.
Zero-down eligibility still depends on lender approval and borrower qualification.
Entitlement and required down payment may depend on the county limit and remaining entitlement.
Frequently Asked Questions
Texas loan-limit questions.
What is a conforming loan limit?
It is the maximum loan amount generally eligible for purchase by Fannie Mae or Freddie Mac under the applicable property-type and geographic limits.
What happens when the loan exceeds the conforming limit?
A conventional loan above the applicable conforming limit is generally considered a jumbo loan and may have different credit, reserve, down-payment, and underwriting requirements.
Are FHA limits the same in every Texas county?
No. FHA loan limits are generally established by county or metropolitan area and may be higher than the baseline floor in some locations.
Does a VA borrower with full entitlement have a loan cap?
Full-entitlement borrowers generally do not have a statutory VA loan limit, but the lender must still approve the loan based on credit, income, property value, and other underwriting requirements.
Do multifamily limits apply to apartment buildings?
These residential conforming limits apply to eligible properties with one through four units. Properties with five or more units are generally treated as commercial or multifamily financing.
This information is provided for general educational purposes only and does not constitute mortgage, lending, legal, tax, or financial advice. Loan limits, county classifications, entitlement rules, and program requirements may change. The 2026 figures displayed above are based on the information supplied for this page and should be confirmed with the FHFA, HUD, U.S. Department of Veterans Affairs, and a licensed mortgage professional before use.
2026 Texas Mortgage Guide
Texas Loan Limits Interactive Dashboard
Compare conventional, FHA, and VA loan-limit information in one clear view.
Select a financing program below to review the relevant limit, property-type details, and important eligibility considerations.
Program Explorer
Choose a loan program.
2026 One-Unit Conforming Limit
$832,750Single-family conventional financing
The standard 2026 conforming loan limit for a one-unit property in Texas is $832,750.
Based on the supplied information, no Texas counties are designated as FHFA high-cost areas, so the standard baseline applies statewide.
Conforming Loan Limits
Limits by property type
One Unit
Single-Family
$832,750Two Units
Duplex
$1,066,250Three Units
Triplex
$1,288,800Four Units
Fourplex
$1,601,7502026 Baseline FHA Floor
$541,287One-unit FHA financing
The baseline FHA floor for a one-unit home in standard-cost Texas counties begins at $541,287.
FHA limits may be higher in certain metropolitan statistical areas, so the applicable limit should be checked at the county level.
Baseline Floor
The baseline floor applies in standard-cost counties and is the starting point for a one-unit FHA property.
County Variation
FHA limits may increase in higher-cost metropolitan or county-level markets.
Property Type
FHA limits differ for one-, two-, three-, and four-unit residential properties.
Approval Still Required
The loan limit does not determine the borrower’s approved loan amount.
Veterans With Full Entitlement
No Official CapZero-down VA financing
Veterans with full entitlement generally do not have an official statutory VA loan cap for a zero-down purchase.
The lender must still approve the loan based on credit, qualifying income, property value, residual income, debts, and other underwriting requirements.
Full Entitlement
No official VA loan cap
Zero-down eligibility remains subject to lender underwriting and the property’s appraised value.Partial Entitlement
$832,750 baseline reference
Remaining entitlement and the county loan limit may affect the required down payment.Program Comparison
Compare the starting points.
Standard statewide conforming limit based on the supplied information.
County or metropolitan limits may be higher than the baseline floor.
Lender approval, appraised value, and borrower qualification still apply.
Remaining entitlement and county-limit calculations may affect the down payment.
Frequently Asked Questions
Texas loan-limit questions.
What is a conforming loan?
A conforming loan generally meets the size and underwriting requirements used by Fannie Mae or Freddie Mac.
What happens when a loan exceeds the conforming limit?
A conventional loan above the applicable conforming limit is generally treated as a jumbo loan and may require different credit, reserve, down-payment, and underwriting standards.
Are FHA limits the same in every Texas county?
No. FHA limits can vary by county or metropolitan statistical area.
Does full VA entitlement guarantee zero-down approval?
No. Full entitlement removes the statutory loan-limit cap, but the borrower and property must still satisfy lender and VA requirements.
Do the multifamily limits apply to five-unit properties?
No. These residential limits apply to eligible properties with one through four units. Properties with five or more units are generally treated as commercial or multifamily financing.
This information is provided for general educational purposes only and does not constitute mortgage, legal, tax, or financial advice. Loan limits, county classifications, entitlement rules, and program requirements may change. The figures shown are based on the information supplied for this page and should be confirmed with the FHFA, HUD, U.S. Department of Veterans Affairs, and a licensed mortgage professional.