FHA Loan Limits in Cameron County, Texas (2026)
From Cameron County, FHA buyers in Cameron County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Cameron County — Cameron County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
What can you buy with FHA in Cameron County?
Homes around Cameron County carry an estimated local median near $200,000, so an FHA buyer in Cameron County puts down about $7,000 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $1,694 a month — comfortable on household income around $66,000, under Texas's $73,035 median household income.
FHA payment scenarios in Cameron County
Here is what an FHA payment looks like at three Cameron County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $144,000 | $5,040 | $1,253 |
| Local median — $200,000 | $7,000 | $1,694 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Cameron County too — get notified.
Buyers across Cameron County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $7,000 down payment near Cameron County into little out of pocket.
Multi-unit FHA limits in Cameron County
Looking at a duplex or fourplex near Cameron County? FHA allows up to $692,997 on two units and $1,041,072 on four in Cameron County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Cameron County for 2026?
- In Cameron County (Cameron County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Cameron County with FHA?
- For a median-priced ($200,000) Cameron County home, plan on income around $66,000 at a 31% housing ratio — about $1,694/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Cameron County?
- 3.5% with a 580+ score — roughly $7,000 on a $200,000 Cameron County-area home. Gift funds are allowed.
- Is Cameron County a high-cost FHA area?
- No — Cameron County uses the $541,287 national floor for one unit.