FHA Loan Limits in Parker County, Texas (2026)
From Parker County, FHA buyers in Parker 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 Parker County — Parker 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 Parker County?
An FHA buyer near Parker County faces an estimated $369,000 median, a $12,915 down payment, and — after Texas's 1.68% property tax — a monthly cost around $3,027. That suits household income of roughly $117,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Parker County
Here is what an FHA payment looks like at three Parker County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $266,000 | $9,310 | $2,215 |
| Local median — $369,000 | $12,915 | $3,027 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Parker County too — get notified.
Buyers across Parker County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,915 down payment near Parker County into little out of pocket.
Multi-unit FHA limits in Parker County
Looking at a duplex or fourplex near Parker County? FHA allows up to $692,997 on two units and $1,041,072 on four in Parker 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 Parker County for 2026?
- In Parker County (Parker 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 Parker County with FHA?
- For a median-priced ($369,000) Parker County home, plan on income around $117,000 at a 31% housing ratio — about $3,027/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Parker County?
- 3.5% with a 580+ score — roughly $12,915 on a $369,000 Parker County-area home. Gift funds are allowed.
- Is Parker County a high-cost FHA area?
- No — Parker County uses the $541,287 national floor for one unit.