What is an FHA Loan? Requirements, How to Get One and Best Lenders
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

2024 FHA Loan Limits in Texas

Updated on:
Content was accurate at the time of publication.

When shopping for a mortgage loan, many homebuyers choose a mortgage backed by the Federal Housing Administration (FHA) because the eligibility requirements are less strict than those of a conventional mortgage. But while they could more easily qualify for a mortgage, there are limits to what they could qualify to receive. When qualifying for an FHA loan in Texas, the loan limit for a single-family home is $498,257 with a maximum of $571,550 for high-cost areas. Knowing these limits could help homebuyers find a home they could qualify to purchase.

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ANDERSON$498,257$637,950$771,125$958,350$169,000
ANDREWS$498,257$637,950$771,125$958,350$379,000
ANGELINA$498,257$637,950$771,125$958,350$201,000
ARANSAS$498,257$637,950$771,125$958,350$298,000
ARCHER$498,257$637,950$771,125$958,350$224,000
ARMSTRONG$498,257$637,950$771,125$958,350$250,000
ATASCOSA$557,750$714,000$863,100$1,072,600$485,000
AUSTIN$498,257$637,950$771,125$958,350$382,000
BAILEY$498,257$637,950$771,125$958,350$139,000
BANDERA$557,750$714,000$863,100$1,072,600$485,000
BASTROP$571,550$731,700$884,450$1,099,150$482,000
BAYLOR$498,257$637,950$771,125$958,350$104,000
BEE$498,257$637,950$771,125$958,350$158,000
BELL$498,257$637,950$771,125$958,350$293,000
BEXAR$557,750$714,000$863,100$1,072,600$485,000
BLANCO$498,257$637,950$771,125$958,350$384,000
BORDEN$498,257$637,950$771,125$958,350$274,000
BOSQUE$498,257$637,950$771,125$958,350$185,000
BOWIE$498,257$637,950$771,125$958,350$169,000
BRAZORIA$498,257$637,950$771,125$958,350$382,000
BRAZOS$498,257$637,950$771,125$958,350$310,000
BREWSTER$498,257$637,950$771,125$958,350$261,000
BRISCOE$498,257$637,950$771,125$958,350$125,000
BROOKS$498,257$637,950$771,125$958,350$47,000
BROWN$498,257$637,950$771,125$958,350$167,000
BURLESON$498,257$637,950$771,125$958,350$310,000
BURNET$498,257$637,950$771,125$958,350$318,000
CALDWELL$571,550$731,700$884,450$1,099,150$482,000
CALHOUN$498,257$637,950$771,125$958,350$165,000
CALLAHAN$498,257$637,950$771,125$958,350$225,000
CAMERON$498,257$637,950$771,125$958,350$210,000
CAMP$498,257$637,950$771,125$958,350$206,000
CARSON$498,257$637,950$771,125$958,350$250,000
CASS$498,257$637,950$771,125$958,350$156,000
CASTRO$498,257$637,950$771,125$958,350$157,000
CHAMBERS$498,257$637,950$771,125$958,350$382,000
CHEROKEE$498,257$637,950$771,125$958,350$169,000
CHILDRESS$498,257$637,950$771,125$958,350$94,000
CLAY$498,257$637,950$771,125$958,350$224,000
COCHRAN$498,257$637,950$771,125$958,350$104,000
COKE$498,257$637,950$771,125$958,350$135,000
COLEMAN$498,257$637,950$771,125$958,350$125,000
COLLIN$563,500$721,400$872,000$1,083,650$490,000
COLLINGSWORTH$498,257$637,950$771,125$958,350$93,000
COLORADO$498,257$637,950$771,125$958,350$196,000
COMAL$557,750$714,000$863,100$1,072,600$485,000
COMANCHE$498,257$637,950$771,125$958,350$143,000
CONCHO$498,257$637,950$771,125$958,350$127,000
COOKE$498,257$637,950$771,125$958,350$264,000
CORYELL$498,257$637,950$771,125$958,350$293,000
COTTLE$498,257$637,950$771,125$958,350$78,000
CRANE$498,257$637,950$771,125$958,350$88,000
CROCKETT$498,257$637,950$771,125$958,350$141,000
CROSBY$498,257$637,950$771,125$958,350$232,000
CULBERSON$498,257$637,950$771,125$958,350$87,000
DALLAM$498,257$637,950$771,125$958,350$152,000
DALLAS$563,500$721,400$872,000$1,083,650$490,000
DAWSON$498,257$637,950$771,125$958,350$131,000
DEAF SMITH$498,257$637,950$771,125$958,350$136,000
DELTA$498,257$637,950$771,125$958,350$305,000
DENTON$563,500$721,400$872,000$1,083,650$490,000
DEWITT$498,257$637,950$771,125$958,350$173,000
DICKENS$498,257$637,950$771,125$958,350$89,000
DIMMIT$498,257$637,950$771,125$958,350$178,000
DONLEY$498,257$637,950$771,125$958,350$97,000
DUVAL$498,257$637,950$771,125$958,350$138,000
EASTLAND$498,257$637,950$771,125$958,350$138,000
ECTOR$498,257$637,950$771,125$958,350$248,000
EDWARDS$498,257$637,950$771,125$958,350$172,000
EL PASO$498,257$637,950$771,125$958,350$245,000
ELLIS$563,500$721,400$872,000$1,083,650$490,000
ERATH$498,257$637,950$771,125$958,350$215,000
FALLS$498,257$637,950$771,125$958,350$266,000
FANNIN$498,257$637,950$771,125$958,350$219,000
FAYETTE$498,257$637,950$771,125$958,350$297,000
FISHER$498,257$637,950$771,125$958,350$84,000
FLOYD$498,257$637,950$771,125$958,350$190,000
FOARD$498,257$637,950$771,125$958,350$32,000
FORT BEND$498,257$637,950$771,125$958,350$382,000
FRANKLIN$498,257$637,950$771,125$958,350$189,000
FREESTONE$498,257$637,950$771,125$958,350$173,000
FRIO$498,257$637,950$771,125$958,350$177,000
GAINES$498,257$637,950$771,125$958,350$139,000
GALVESTON$498,257$637,950$771,125$958,350$382,000
GARZA$498,257$637,950$771,125$958,350$165,000
GILLESPIE$498,257$637,950$771,125$958,350$380,000
GLASSCOCK$498,257$637,950$771,125$958,350$375,000
GOLIAD$498,257$637,950$771,125$958,350$230,000
GONZALES$498,257$637,950$771,125$958,350$212,000
GRAY$498,257$637,950$771,125$958,350$124,000
GRAYSON$498,257$637,950$771,125$958,350$282,000
GREGG$498,257$637,950$771,125$958,350$226,000
GRIMES$498,257$637,950$771,125$958,350$242,000
GUADALUPE$557,750$714,000$863,100$1,072,600$485,000
HALE$498,257$637,950$771,125$958,350$150,000
HALL$498,257$637,950$771,125$958,350$74,000
HAMILTON$498,257$637,950$771,125$958,350$157,000
HANSFORD$498,257$637,950$771,125$958,350$153,000
HARDEMAN$498,257$637,950$771,125$958,350$68,000
HARDIN$498,257$637,950$771,125$958,350$221,000
HARRIS$498,257$637,950$771,125$958,350$382,000
HARRISON$498,257$637,950$771,125$958,350$226,000
HARTLEY$498,257$637,950$771,125$958,350$188,000
HASKELL$498,257$637,950$771,125$958,350$92,000
HAYS$571,550$731,700$884,450$1,099,150$482,000
HEMPHILL$498,257$637,950$771,125$958,350$158,000
HENDERSON$498,257$637,950$771,125$958,350$207,000
HIDALGO$498,257$637,950$771,125$958,350$194,000
HILL$498,257$637,950$771,125$958,350$204,000
HOCKLEY$498,257$637,950$771,125$958,350$176,000
HOOD$498,257$637,950$771,125$958,350$293,000
HOPKINS$498,257$637,950$771,125$958,350$250,000
HOUSTON$498,257$637,950$771,125$958,350$149,000
HOWARD$498,257$637,950$771,125$958,350$159,000
HUDSPETH$498,257$637,950$771,125$958,350$245,000
HUNT$563,500$721,400$872,000$1,083,650$490,000
HUTCHINSON$498,257$637,950$771,125$958,350$129,000
IRION$498,257$637,950$771,125$958,350$221,000
JACK$498,257$637,950$771,125$958,350$175,000
JACKSON$498,257$637,950$771,125$958,350$146,000
JASPER$498,257$637,950$771,125$958,350$162,000
JEFF DAVIS$498,257$637,950$771,125$958,350$225,000
JEFFERSON$498,257$637,950$771,125$958,350$221,000
JIM HOGG$498,257$637,950$771,125$958,350$143,000
JIM WELLS$498,257$637,950$771,125$958,350$138,000
JOHNSON$563,500$721,400$872,000$1,083,650$490,000
JONES$498,257$637,950$771,125$958,350$225,000
KARNES$498,257$637,950$771,125$958,350$166,000
KAUFMAN$563,500$721,400$872,000$1,083,650$490,000
KENDALL$557,750$714,000$863,100$1,072,600$485,000
KENEDY$498,257$637,950$771,125$958,350$164,000
KENT$498,257$637,950$771,125$958,350$163,000
KERR$498,257$637,950$771,125$958,350$298,000
KIMBLE$498,257$637,950$771,125$958,350$252,000
KING$498,257$637,950$771,125$958,350$34,000
KINNEY$498,257$637,950$771,125$958,350$302,000
KLEBERG$498,257$637,950$771,125$958,350$164,000
KNOX$498,257$637,950$771,125$958,350$70,000
LA SALLE$498,257$637,950$771,125$958,350$62,000
LAMAR$498,257$637,950$771,125$958,350$179,000
LAMB$498,257$637,950$771,125$958,350$143,000
LAMPASAS$498,257$637,950$771,125$958,350$293,000
LAVACA$498,257$637,950$771,125$958,350$180,000
LEE$498,257$637,950$771,125$958,350$247,000
LEON$498,257$637,950$771,125$958,350$179,000
LIBERTY$498,257$637,950$771,125$958,350$382,000
LIMESTONE$498,257$637,950$771,125$958,350$146,000
LIPSCOMB$498,257$637,950$771,125$958,350$123,000
LIVE OAK$498,257$637,950$771,125$958,350$161,000
LLANO$498,257$637,950$771,125$958,350$279,000
LOVING$498,257$637,950$771,125$958,350$146,000
LUBBOCK$498,257$637,950$771,125$958,350$232,000
LYNN$498,257$637,950$771,125$958,350$232,000
MADISON$498,257$637,950$771,125$958,350$220,000
MARION$498,257$637,950$771,125$958,350$172,000
MARTIN$498,257$637,950$771,125$958,350$323,000
MASON$498,257$637,950$771,125$958,350$186,000
MATAGORDA$498,257$637,950$771,125$958,350$180,000
MAVERICK$498,257$637,950$771,125$958,350$206,000
MCCULLOCH$498,257$637,950$771,125$958,350$129,000
MCLENNAN$498,257$637,950$771,125$958,350$266,000
MCMULLEN$498,257$637,950$771,125$958,350$137,000
MEDINA$557,750$714,000$863,100$1,072,600$485,000
MENARD$498,257$637,950$771,125$958,350$158,000
MIDLAND$498,257$637,950$771,125$958,350$323,000
MILAM$498,257$637,950$771,125$958,350$188,000
MILLS$498,257$637,950$771,125$958,350$237,000
MITCHELL$498,257$637,950$771,125$958,350$86,000
MONTAGUE$498,257$637,950$771,125$958,350$182,000
MONTGOMERY$498,257$637,950$771,125$958,350$382,000
MOORE$498,257$637,950$771,125$958,350$159,000
MORRIS$498,257$637,950$771,125$958,350$137,000
MOTLEY$498,257$637,950$771,125$958,350$113,000
NACOGDOCHES$498,257$637,950$771,125$958,350$191,000
NAVARRO$498,257$637,950$771,125$958,350$182,000
NEWTON$498,257$637,950$771,125$958,350$120,000
NOLAN$498,257$637,950$771,125$958,350$145,000
NUECES$498,257$637,950$771,125$958,350$264,000
OCHILTREE$498,257$637,950$771,125$958,350$155,000
OLDHAM$498,257$637,950$771,125$958,350$250,000
ORANGE$498,257$637,950$771,125$958,350$221,000
PALO PINTO$498,257$637,950$771,125$958,350$219,000
PANOLA$498,257$637,950$771,125$958,350$181,000
PARKER$563,500$721,400$872,000$1,083,650$490,000
PARMER$498,257$637,950$771,125$958,350$146,000
PECOS$498,257$637,950$771,125$958,350$168,000
POLK$498,257$637,950$771,125$958,350$160,000
POTTER$498,257$637,950$771,125$958,350$250,000
PRESIDIO$498,257$637,950$771,125$958,350$233,000
RAINS$498,257$637,950$771,125$958,350$228,000
RANDALL$498,257$637,950$771,125$958,350$250,000
REAGAN$498,257$637,950$771,125$958,350$158,000
REAL$498,257$637,950$771,125$958,350$155,000
RED RIVER$498,257$637,950$771,125$958,350$79,000
REEVES$498,257$637,950$771,125$958,350$146,000
REFUGIO$498,257$637,950$771,125$958,350$136,000
ROBERTS$498,257$637,950$771,125$958,350$124,000
ROBERTSON$498,257$637,950$771,125$958,350$310,000
ROCKWALL$563,500$721,400$872,000$1,083,650$490,000
RUNNELS$498,257$637,950$771,125$958,350$115,000
RUSK$498,257$637,950$771,125$958,350$226,000
SABINE$498,257$637,950$771,125$958,350$147,000
SAN AUGUSTINE$498,257$637,950$771,125$958,350$101,000
SAN JACINTO$498,257$637,950$771,125$958,350$170,000
SAN PATRICIO$498,257$637,950$771,125$958,350$264,000
SAN SABA$498,257$637,950$771,125$958,350$77,000
SCHLEICHER$498,257$637,950$771,125$958,350$61,000
SCURRY$498,257$637,950$771,125$958,350$159,000
SHACKELFORD$498,257$637,950$771,125$958,350$306,000
SHELBY$498,257$637,950$771,125$958,350$140,000
SHERMAN$498,257$637,950$771,125$958,350$167,000
SMITH$498,257$637,950$771,125$958,350$281,000
SOMERVELL$498,257$637,950$771,125$958,350$169,000
STARR$498,257$637,950$771,125$958,350$104,000
STEPHENS$498,257$637,950$771,125$958,350$127,000
STERLING$498,257$637,950$771,125$958,350$221,000
STONEWALL$498,257$637,950$771,125$958,350$104,000
SUTTON$498,257$637,950$771,125$958,350$140,000
SWISHER$498,257$637,950$771,125$958,350$129,000
TARRANT$563,500$721,400$872,000$1,083,650$490,000
TAYLOR$498,257$637,950$771,125$958,350$225,000
TERRELL$498,257$637,950$771,125$958,350$94,000
TERRY$498,257$637,950$771,125$958,350$163,000
THROCKMORTON$498,257$637,950$771,125$958,350$55,000
TITUS$498,257$637,950$771,125$958,350$206,000
TOM GREEN$498,257$637,950$771,125$958,350$221,000
TRAVIS$571,550$731,700$884,450$1,099,150$482,000
TRINITY$498,257$637,950$771,125$958,350$130,000
TYLER$498,257$637,950$771,125$958,350$137,000
UPSHUR$498,257$637,950$771,125$958,350$226,000
UPTON$498,257$637,950$771,125$958,350$78,000
UVALDE$498,257$637,950$771,125$958,350$205,000
VAL VERDE$498,257$637,950$771,125$958,350$214,000
VAN ZANDT$498,257$637,950$771,125$958,350$222,000
VICTORIA$498,257$637,950$771,125$958,350$230,000
WALKER$498,257$637,950$771,125$958,350$240,000
WALLER$498,257$637,950$771,125$958,350$382,000
WARD$498,257$637,950$771,125$958,350$202,000
WASHINGTON$498,257$637,950$771,125$958,350$293,000
WEBB$498,257$637,950$771,125$958,350$231,000
WHARTON$498,257$637,950$771,125$958,350$204,000
WHEELER$498,257$637,950$771,125$958,350$127,000
WICHITA$498,257$637,950$771,125$958,350$224,000
WILBARGER$498,257$637,950$771,125$958,350$123,000
WILLACY$498,257$637,950$771,125$958,350$48,000
WILLIAMSON$571,550$731,700$884,450$1,099,150$482,000
WILSON$557,750$714,000$863,100$1,072,600$485,000
WINKLER$498,257$637,950$771,125$958,350$155,000
WISE$563,500$721,400$872,000$1,083,650$490,000
WOOD$498,257$637,950$771,125$958,350$216,000
YOAKUM$498,257$637,950$771,125$958,350$207,000
YOUNG$498,257$637,950$771,125$958,350$144,000
ZAPATA$498,257$637,950$771,125$958,350$57,000
ZAVALA$498,257$637,950$771,125$958,350$57,000

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According to the National Housing Act, the FHA is required to set floor (or low) and ceiling (or high) loan limits for the loans it guarantees. The floor and ceiling amounts are determined by taking a percentage of the national conforming loan limit set by the Federal Housing Finance Agency (FHFA) for conventional mortgages guaranteed or owned by Fannie Mae or Freddie Mac.

For 2024, the national conforming loan limit is $766,550 for a one-unit property. The FHA floor loan limit is 65% of the national conforming loan limit, or $498,257 for a one-unit property. This amount applies to the majority of the counties across the country. For high-cost areas, the ceiling applies, which is 150% of the national conforming loan limit, or $1,149,825.

This amount could be further adjusted for areas of Alaska, Hawaii, Guam and the U.S. Virgin Islands where the cost of living is higher.

When applying for FHA loans in Texas, homebuyers will need to supply certain personal and financial information so the lender can determine their likelihood of repaying the loan. Additionally, they will evaluate your ability to make a down payment and pay all closing costs associated with the loan. Because FHA loan requirements are less stringent than those for conventional mortgage loans, homebuyers may find it easier to qualify.

 Credit score. Minimum credit scores for FHA loans are 500 for those paying down 10% or more and 580 for those paying down at least 3.5%.

 Debt-to-income (DTI) ratio. Your DTI ratio is your total debt divided by your gross income. For FHA loans, the maximum DTI ratio is 43% but could increase to 50% or higher if you have a high credit score coupled with a significant amount of cash reserves.

 Mortgage insurance. FHA loans must carry FHA mortgage insurance to protect the lender if the borrower defaults on the loan. The cost of mortgage insurance could increase the loan balance amount or your monthly payment, depending on when it’s paid.

 Income limits. FHA loans don’t have income limits.

 Residency. Any home purchased with an FHA loan must be the borrower’s primary residence for a minimum of one year.

 Cash reserves. For borrowers with low credit scores or a high DTI ratio, the lender may require them to have enough cash reserves on hand equal to a specific number of monthly mortgage payments.

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Buying a multifamily property with an FHA loan

If you are interested in investing in real estate, you could use an FHA loan to buy a multifamily home of two to four units. For these loans, you only need to pay 3.5% down, which can make it more affordable to purchase. Borrowers also will need to meet these requirements:

  • Residency. You must occupy one of the units.
  • DTI ratio. The maximum DTI ratio to qualify is 43%.
  • Credit score. For borrowers who want to pay 3.5% down, the minimum credit score is 580. If paying 10% down, the minimum credit score is 500.
  • Cash reserves. Borrowers should have enough cash on hand to cover one monthly mortgage payment.

Number of unitsLow-cost FHA loan limit
Two$637,950
Three$771,125
Four$958,350

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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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