FHA Loan Limits in Kaufman County, Texas (2026)
From Kaufman County, FHA buyers in Kaufman 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 |
These 2026 limits apply throughout Kaufman County, from Kaufman County outward, and sit alongside the limits set for neighboring Harris and Dallas Counties.
What can you buy with FHA in Kaufman County?
Homes around Kaufman County carry an estimated local median near $363,000, so an FHA buyer in Kaufman County puts down about $12,705 (3.5%). With Texas's 1.68% effective property-tax rate, the all-in payment runs near $2,980 a month — comfortable on household income around $115,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Kaufman County
Here is what an FHA payment looks like at three Kaufman County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $261,000 | $9,135 | $2,175 |
| Local median — $363,000 | $12,705 | $2,980 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Kaufman County too — get notified.
In Kaufman County and the surrounding Kaufman County market, FHA's appeal is the math: $12,705 down on a $363,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kaufman County
Looking at a duplex or fourplex near Kaufman County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kaufman 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 Kaufman County for 2026?
- In Kaufman County (Kaufman 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 Kaufman County with FHA?
- For a median-priced ($363,000) Kaufman County home, plan on income around $115,000 at a 31% housing ratio — about $2,980/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kaufman County?
- 3.5% with a 580+ score — roughly $12,705 on a $363,000 Kaufman County-area home. Gift funds are allowed.
- Is Kaufman County a high-cost FHA area?
- No — Kaufman County uses the $541,287 national floor for one unit.