FHA Loan Limits in Dallas County, Texas (2026)
From Dallas County, FHA buyers in Dallas 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 Dallas County — Dallas County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Tarrant Counties.
What can you buy with FHA in Dallas County?
An FHA buyer near Dallas County faces an estimated $375,000 median, a $13,125 down payment, and — after Texas's 1.68% property tax — a monthly cost around $3,075. That suits household income of roughly $119,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Dallas County
Here is what an FHA payment looks like at three Dallas County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $270,000 | $9,450 | $2,246 |
| Local median — $375,000 | $13,125 | $3,075 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Dallas County too — get notified.
Buyers across Dallas County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,125 down payment near Dallas County into little out of pocket.
Multi-unit FHA limits in Dallas County
Looking at a duplex or fourplex near Dallas County? FHA allows up to $692,997 on two units and $1,041,072 on four in Dallas 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 Dallas County for 2026?
- In Dallas County (Dallas 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 Dallas County with FHA?
- For a median-priced ($375,000) Dallas County home, plan on income around $119,000 at a 31% housing ratio — about $3,075/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Dallas County?
- 3.5% with a 580+ score — roughly $13,125 on a $375,000 Dallas County-area home. Gift funds are allowed.
- Is Dallas County a high-cost FHA area?
- No — Dallas County uses the $541,287 national floor for one unit.