Texas FHA Loan Limits 2026

View FHA loan limits for all 254 counties in Texas. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

254

Lowest Limit

$541,287

Highest Limit

$813,050

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.Texas has 229 standard-limit counties and 25 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Anderson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Andrews County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Angelina Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Aransas County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Archer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Armstrong Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Atascosa Count	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Austin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bailey County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bandera County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Bastrop County	$571,550	$731,700	$884,450	$1,099,150	High-Cost	Calculate
Baylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bexar County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Blanco County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Borden County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bosque County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bowie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brazoria Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brazos County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brewster Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Briscoe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brooks County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Brown County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burleson Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Burnet County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Caldwell Count	$571,550	$731,700	$884,450	$1,099,150	High-Cost	Calculate
Calhoun County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Callahan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cameron County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Camp County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Carson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cass County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Castro County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chambers Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cherokee Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Childress Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clay County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cochran County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coleman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Collin County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Collingsworth	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Colorado Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Comal County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Comanche Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Concho County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cooke County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Coryell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cottle County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crane County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crockett Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Crosby County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Culberson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dallam County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dallas County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Dawson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Deaf Smith Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Delta County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Denton County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Dewitt County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dickens County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dimmit County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Donley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Duval County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Eastland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ector County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Edwards County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
El Paso County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ellis County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Erath County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Falls County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fannin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fayette County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fisher County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Floyd County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Foard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fort Bend Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Freestone Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Frio County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gaines County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Galveston Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Garza County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gillespie Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Glasscock Coun	$813,050	$1,040,850	$1,258,150	$1,563,600	High-Cost	Calculate
Goliad County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gonzales Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gray County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grayson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Gregg County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Grimes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Guadalupe Coun	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Hale County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hall County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamilton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hansford Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hardeman Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hardin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harris County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Harrison Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hartley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Haskell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hays County	$571,550	$731,700	$884,450	$1,099,150	High-Cost	Calculate
Hemphill Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Henderson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hidalgo County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hill County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hockley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hood County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hopkins County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Houston County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Howard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hudspeth Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hunt County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Hutchinson Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Irion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jack County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jackson County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jasper County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jeff Davis Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jim Hogg Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jim Wells Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Johnson County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Jones County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Karnes County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kaufman County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Kendall County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Kenedy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kent County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kerr County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kimble County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
King County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kinney County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kleberg County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Knox County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
La Salle Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lamar County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lamb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lampasas Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lavaca County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Leon County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Liberty County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Limestone Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lipscomb Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Live Oak Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Llano County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Loving County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lubbock County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Lynn County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Marion County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Martin County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mason County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Matagorda Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Maverick Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcculloch Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mclennan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mcmullen Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Medina County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Menard County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Midland County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Milam County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mills County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Mitchell Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montague Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Moore County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Morris County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Motley County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nacogdoches Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Navarro County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Newton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nolan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nueces County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ochiltree Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oldham County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orange County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Palo Pinto Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Panola County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Parker County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Parmer County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Pecos County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Polk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Potter County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Presidio Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rains County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Randall County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Reagan County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Real County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Red River Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Reeves County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Refugio County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Roberts County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Robertson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rockwall Count	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Runnels County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Rusk County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sabine County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
San Augustine	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
San Jacinto Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
San Patricio C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
San Saba Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schleicher Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Scurry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shackelford Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Shelby County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sherman County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Smith County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Somervell Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Starr County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stephens Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sterling Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Stonewall Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Sutton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Swisher County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tarrant County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Taylor County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Terrell County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Terry County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Throckmorton C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Titus County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tom Green Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Travis County	$571,550	$731,700	$884,450	$1,099,150	High-Cost	Calculate
Trinity County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tyler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Upshur County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Upton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Uvalde County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Val Verde Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Van Zandt Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Victoria Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Walker County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Waller County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ward County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Webb County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wharton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wheeler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wichita County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wilbarger Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Willacy County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Williamson Cou	$571,550	$731,700	$884,450	$1,099,150	High-Cost	Calculate
Wilson County	$557,750	$714,000	$863,100	$1,072,600	High-Cost	Calculate
Winkler County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wise County	$563,500	$721,400	$872,000	$1,083,650	High-Cost	Calculate
Wood County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yoakum County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Young County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Zapata County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Zavala County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in Texas

Use the calculator below with Texas pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

Related Calculators

Mortgage DTI Closing Costs Down Payment Amortization First-Time Buyer Rent vs Buy

Understanding FHA Loan Limits in Texas

FHA loan limits in Texas vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, Texas's single-family FHA limits range from $541,287 to $813,050.

The variation in limits reflects differences in median home prices across Texas's counties. 25 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.