FHA Loan Limits in Ellis County, Texas (2026)
From Ellis County, FHA buyers in Ellis 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 Ellis County — Ellis 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 Ellis County?
With Ellis County's median sale price estimated near $386,000 (think Ellis County), the FHA down payment is roughly $13,510. Factoring Texas property taxes near 1.68%, expect about $3,161 monthly, pointing to income near $122,000 — above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Ellis County
Whether you are buying in Ellis County or a smaller Ellis County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $278,000 | $9,730 | $2,310 |
| Local median — $386,000 | $13,510 | $3,161 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Ellis County too — get notified.
Buyers across Ellis County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $13,510 down payment near Ellis County into little out of pocket.
Multi-unit FHA limits in Ellis County
Investors and house-hackers in Ellis County and across Ellis County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Ellis County for 2026?
- In Ellis County (Ellis 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 Ellis County with FHA?
- For a median-priced ($386,000) Ellis County home, plan on income around $122,000 at a 31% housing ratio — about $3,161/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ellis County?
- 3.5% with a 580+ score — roughly $13,510 on a $386,000 Ellis County-area home. Gift funds are allowed.
- Is Ellis County a high-cost FHA area?
- No — Ellis County uses the $541,287 national floor for one unit.