FHA Loan Limits in Collin County, Texas (2026)
Collin County and the rest of Collin County, Texas fall under a 2026 one-unit FHA limit of $541,287. 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 |
From Collin County to the edges of Collin County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
How much home can you afford in Collin County?
With Collin County's median sale price estimated near $376,000 (think Collin County), the FHA down payment is roughly $13,160. Factoring Texas property taxes near 1.68%, expect about $3,083 monthly, pointing to income near $119,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Collin County
FHA payments across Collin County price points — from entry homes near Collin County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $271,000 | $9,485 | $2,254 |
| Local median — $376,000 | $13,160 | $3,083 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Collin County too — get notified.
First-time buyers make up much of FHA activity in Collin County and across Collin County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $13,160 needed on a median Collin County home.
Multi-unit FHA limits in Collin County
Collin County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Collin County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Collin County for 2026?
- In Collin County (Collin 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 Collin County with FHA?
- For a median-priced ($376,000) Collin County home, plan on income around $119,000 at a 31% housing ratio — about $3,083/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Collin County?
- 3.5% with a 580+ score — roughly $13,160 on a $376,000 Collin County-area home. Gift funds are allowed.
- Is Collin County a high-cost FHA area?
- No — Collin County uses the $541,287 national floor for one unit.