FHA Loan Limits in Denton County, Texas (2026)
Buying in Denton County or elsewhere in Denton County? The 2026 FHA single-family limit across the county is $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 |
Every community in Denton County — Denton County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Harris and Dallas Counties.
FHA affordability around Denton County
Homes around Denton County carry an estimated local median near $382,000, so an FHA buyer in Denton County puts down about $13,370 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $3,130 a month — comfortable on household income around $121,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Denton County
Here is what an FHA payment looks like at three Denton County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $275,000 | $9,625 | $2,286 |
| Local median — $382,000 | $13,370 | $3,130 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Denton County too — get notified.
Buyers across Denton County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,370 down payment near Denton County into little out of pocket.
Multi-unit FHA limits in Denton County
Looking at a duplex or fourplex near Denton County? FHA allows up to $692,997 on two units and $1,041,072 on four in Denton 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 Denton County for 2026?
- In Denton County (Denton 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 Denton County with FHA?
- For a median-priced ($382,000) Denton County home, plan on income around $121,000 at a 31% housing ratio — about $3,130/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Denton County?
- 3.5% with a 580+ score — roughly $13,370 on a $382,000 Denton County-area home. Gift funds are allowed.
- Is Denton County a high-cost FHA area?
- No — Denton County uses the $541,287 national floor for one unit.