FHA Loan Limits in Texas (2026)
For 2026, the FHA loan limit in most Texas counties is $541,287 for a single-family home. Texas has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Texas
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Harris County | $541,287 | $692,997 | $1,041,072 | Standard |
| Dallas County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tarrant County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bexar County | $541,287 | $692,997 | $1,041,072 | Standard |
| Travis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fort Bend County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hidalgo County | $541,287 | $692,997 | $1,041,072 | Standard |
| El Paso County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montgomery County | $541,287 | $692,997 | $1,041,072 | Standard |
| Williamson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cameron County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brazoria County | $541,287 | $692,997 | $1,041,072 | Standard |
| Bell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Nueces County | $541,287 | $692,997 | $1,041,072 | Standard |
| Galveston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lubbock County | $541,287 | $692,997 | $1,041,072 | Standard |
| McLennan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Collin County | $541,287 | $692,997 | $1,041,072 | Standard |
| Denton County | $541,287 | $692,997 | $1,041,072 | Standard |
| Webb County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Hays County | $541,287 | $692,997 | $1,041,072 | Standard |
| Smith County | $541,287 | $692,997 | $1,041,072 | Standard |
| Brazos County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ellis County | $541,287 | $692,997 | $1,041,072 | Standard |
| Comal County | $541,287 | $692,997 | $1,041,072 | Standard |
| Guadalupe County | $541,287 | $692,997 | $1,041,072 | Standard |
| Midland County | $541,287 | $692,997 | $1,041,072 | Standard |
| Johnson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ector County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kaufman County | $541,287 | $692,997 | $1,041,072 | Standard |
| Taylor County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wichita County | $541,287 | $692,997 | $1,041,072 | Standard |
| Gregg County | $541,287 | $692,997 | $1,041,072 | Standard |
| Parker County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in Texas
FHA loans are popular with first-time buyers in Texas because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Texas for 2026?
- Most Texas counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Texas?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.