Texas 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Texas

Texas has 254 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Anderson County to a high of $1,099,150 for a 4-bedroom unit in Bastrop County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Texas's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($1,008,300)
Highest Loan Limit ($1,099,150)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Texas (254 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Anderson County $524,225 $1,008,300 view details »
Andrews County $524,225 $1,008,300 view details »
Angelina County $524,225 $1,008,300 view details »
Aransas County $524,225 $1,008,300 view details »
Archer County $524,225 $1,008,300 view details »
Armstrong County $524,225 $1,008,300 view details »
Atascosa County $557,750 $1,072,600 view details »
Austin County $524,225 $1,008,300 view details »
Bailey County $524,225 $1,008,300 view details »
Bandera County $557,750 $1,072,600 view details »
Bastrop County $571,550 $1,099,150 view details »
Baylor County $524,225 $1,008,300 view details »
Bee County $524,225 $1,008,300 view details »
Bell County $524,225 $1,008,300 view details »
Bexar County $557,750 $1,072,600 view details »
Blanco County $524,225 $1,008,300 view details »
Borden County $524,225 $1,008,300 view details »
Bosque County $524,225 $1,008,300 view details »
Bowie County $524,225 $1,008,300 view details »
Brazoria County $524,225 $1,008,300 view details »
Brazos County $524,225 $1,008,300 view details »
Brewster County $524,225 $1,008,300 view details »
Briscoe County $524,225 $1,008,300 view details »
Brooks County $524,225 $1,008,300 view details »
Brown County $524,225 $1,008,300 view details »
Burleson County $524,225 $1,008,300 view details »
Burnet County $524,225 $1,008,300 view details »
Caldwell County $571,550 $1,099,150 view details »
Calhoun County $524,225 $1,008,300 view details »
Callahan County $524,225 $1,008,300 view details »
Cameron County $524,225 $1,008,300 view details »
Camp County $524,225 $1,008,300 view details »
Carson County $524,225 $1,008,300 view details »
Cass County $524,225 $1,008,300 view details »
Castro County $524,225 $1,008,300 view details »
Chambers County $524,225 $1,008,300 view details »
Cherokee County $524,225 $1,008,300 view details »
Childress County $524,225 $1,008,300 view details »
Clay County $524,225 $1,008,300 view details »
Cochran County $524,225 $1,008,300 view details »
Coke County $524,225 $1,008,300 view details »
Coleman County $524,225 $1,008,300 view details »
Collin County $563,500 $1,083,650 view details »
Collingsworth County $524,225 $1,008,300 view details »
Colorado County $524,225 $1,008,300 view details »
Comal County $557,750 $1,072,600 view details »
Comanche County $524,225 $1,008,300 view details »
Concho County $524,225 $1,008,300 view details »
Cooke County $524,225 $1,008,300 view details »
Coryell County $524,225 $1,008,300 view details »
Cottle County $524,225 $1,008,300 view details »
Crane County $524,225 $1,008,300 view details »
Crockett County $524,225 $1,008,300 view details »
Crosby County $524,225 $1,008,300 view details »
Culberson County $524,225 $1,008,300 view details »
Dallam County $524,225 $1,008,300 view details »
Dallas County $563,500 $1,083,650 view details »
Dawson County $524,225 $1,008,300 view details »
Deaf Smith County $524,225 $1,008,300 view details »
Delta County $524,225 $1,008,300 view details »
Denton County $563,500 $1,083,650 view details »
Dewitt County $524,225 $1,008,300 view details »
Dickens County $524,225 $1,008,300 view details »
Dimmit County $524,225 $1,008,300 view details »
Donley County $524,225 $1,008,300 view details »
Duval County $524,225 $1,008,300 view details »
Eastland County $524,225 $1,008,300 view details »
Ector County $524,225 $1,008,300 view details »
Edwards County $524,225 $1,008,300 view details »
Ellis County $563,500 $1,083,650 view details »
El Paso County $524,225 $1,008,300 view details »
Erath County $524,225 $1,008,300 view details »
Falls County $524,225 $1,008,300 view details »
Fannin County $524,225 $1,008,300 view details »
Fayette County $524,225 $1,008,300 view details »
Fisher County $524,225 $1,008,300 view details »
Floyd County $524,225 $1,008,300 view details »
Foard County $524,225 $1,008,300 view details »
Fort Bend County $524,225 $1,008,300 view details »
Franklin County $524,225 $1,008,300 view details »
Freestone County $524,225 $1,008,300 view details »
Frio County $524,225 $1,008,300 view details »
Gaines County $524,225 $1,008,300 view details »
Galveston County $524,225 $1,008,300 view details »
Garza County $524,225 $1,008,300 view details »
Gillespie County $524,225 $1,008,300 view details »
Glasscock County $524,225 $1,008,300 view details »
Goliad County $524,225 $1,008,300 view details »
Gonzales County $524,225 $1,008,300 view details »
Gray County $524,225 $1,008,300 view details »
Grayson County $524,225 $1,008,300 view details »
Gregg County $524,225 $1,008,300 view details »
Grimes County $524,225 $1,008,300 view details »
Guadalupe County $557,750 $1,072,600 view details »
Hale County $524,225 $1,008,300 view details »
Hall County $524,225 $1,008,300 view details »
Hamilton County $524,225 $1,008,300 view details »
Hansford County $524,225 $1,008,300 view details »
Hardeman County $524,225 $1,008,300 view details »
Hardin County $524,225 $1,008,300 view details »
Harris County $524,225 $1,008,300 view details »
Harrison County $524,225 $1,008,300 view details »
Hartley County $524,225 $1,008,300 view details »
Haskell County $524,225 $1,008,300 view details »
Hays County $571,550 $1,099,150 view details »
Hemphill County $524,225 $1,008,300 view details »
Henderson County $524,225 $1,008,300 view details »
Hidalgo County $524,225 $1,008,300 view details »
Hill County $524,225 $1,008,300 view details »
Hockley County $524,225 $1,008,300 view details »
Hood County $524,225 $1,008,300 view details »
Hopkins County $524,225 $1,008,300 view details »
Houston County $524,225 $1,008,300 view details »
Howard County $524,225 $1,008,300 view details »
Hudspeth County $524,225 $1,008,300 view details »
Hunt County $563,500 $1,083,650 view details »
Hutchinson County $524,225 $1,008,300 view details »
Irion County $524,225 $1,008,300 view details »
Jack County $524,225 $1,008,300 view details »
Jackson County $524,225 $1,008,300 view details »
Jasper County $524,225 $1,008,300 view details »
Jeff Davis County $524,225 $1,008,300 view details »
Jefferson County $524,225 $1,008,300 view details »
Jim Hogg County $524,225 $1,008,300 view details »
Jim Wells County $524,225 $1,008,300 view details »
Johnson County $563,500 $1,083,650 view details »
Jones County $524,225 $1,008,300 view details »
Karnes County $524,225 $1,008,300 view details »
Kaufman County $563,500 $1,083,650 view details »
Kendall County $557,750 $1,072,600 view details »
Kenedy County $524,225 $1,008,300 view details »
Kent County $524,225 $1,008,300 view details »
Kerr County $524,225 $1,008,300 view details »
Kimble County $524,225 $1,008,300 view details »
King County $524,225 $1,008,300 view details »
Kinney County $524,225 $1,008,300 view details »
Kleberg County $524,225 $1,008,300 view details »
Knox County $524,225 $1,008,300 view details »
Lamar County $524,225 $1,008,300 view details »
Lamb County $524,225 $1,008,300 view details »
Lampasas County $524,225 $1,008,300 view details »
La Salle County $524,225 $1,008,300 view details »
Lavaca County $524,225 $1,008,300 view details »
Lee County $524,225 $1,008,300 view details »
Leon County $524,225 $1,008,300 view details »
Liberty County $524,225 $1,008,300 view details »
Limestone County $524,225 $1,008,300 view details »
Lipscomb County $524,225 $1,008,300 view details »
Live Oak County $524,225 $1,008,300 view details »
Llano County $524,225 $1,008,300 view details »
Loving County $524,225 $1,008,300 view details »
Lubbock County $524,225 $1,008,300 view details »
Lynn County $524,225 $1,008,300 view details »
Mcculloch County $524,225 $1,008,300 view details »
Mclennan County $524,225 $1,008,300 view details »
Mcmullen County $524,225 $1,008,300 view details »
Madison County $524,225 $1,008,300 view details »
Marion County $524,225 $1,008,300 view details »
Martin County $524,225 $1,008,300 view details »
Mason County $524,225 $1,008,300 view details »
Matagorda County $524,225 $1,008,300 view details »
Maverick County $524,225 $1,008,300 view details »
Medina County $557,750 $1,072,600 view details »
Menard County $524,225 $1,008,300 view details »
Midland County $524,225 $1,008,300 view details »
Milam County $524,225 $1,008,300 view details »
Mills County $524,225 $1,008,300 view details »
Mitchell County $524,225 $1,008,300 view details »
Montague County $524,225 $1,008,300 view details »
Montgomery County $524,225 $1,008,300 view details »
Moore County $524,225 $1,008,300 view details »
Morris County $524,225 $1,008,300 view details »
Motley County $524,225 $1,008,300 view details »
Nacogdoches County $524,225 $1,008,300 view details »
Navarro County $524,225 $1,008,300 view details »
Newton County $524,225 $1,008,300 view details »
Nolan County $524,225 $1,008,300 view details »
Nueces County $524,225 $1,008,300 view details »
Ochiltree County $524,225 $1,008,300 view details »
Oldham County $524,225 $1,008,300 view details »
Orange County $524,225 $1,008,300 view details »
Palo Pinto County $524,225 $1,008,300 view details »
Panola County $524,225 $1,008,300 view details »
Parker County $563,500 $1,083,650 view details »
Parmer County $524,225 $1,008,300 view details »
Pecos County $524,225 $1,008,300 view details »
Polk County $524,225 $1,008,300 view details »
Potter County $524,225 $1,008,300 view details »
Presidio County $524,225 $1,008,300 view details »
Rains County $524,225 $1,008,300 view details »
Randall County $524,225 $1,008,300 view details »
Reagan County $524,225 $1,008,300 view details »
Real County $524,225 $1,008,300 view details »
Red River County $524,225 $1,008,300 view details »
Reeves County $524,225 $1,008,300 view details »
Refugio County $524,225 $1,008,300 view details »
Roberts County $524,225 $1,008,300 view details »
Robertson County $524,225 $1,008,300 view details »
Rockwall County $563,500 $1,083,650 view details »
Runnels County $524,225 $1,008,300 view details »
Rusk County $524,225 $1,008,300 view details »
Sabine County $524,225 $1,008,300 view details »
San Augustine County $524,225 $1,008,300 view details »
San Jacinto County $524,225 $1,008,300 view details »
San Patricio County $524,225 $1,008,300 view details »
San Saba County $524,225 $1,008,300 view details »
Schleicher County $524,225 $1,008,300 view details »
Scurry County $524,225 $1,008,300 view details »
Shackelford County $524,225 $1,008,300 view details »
Shelby County $524,225 $1,008,300 view details »
Sherman County $524,225 $1,008,300 view details »
Smith County $524,225 $1,008,300 view details »
Somervell County $524,225 $1,008,300 view details »
Starr County $524,225 $1,008,300 view details »
Stephens County $524,225 $1,008,300 view details »
Sterling County $524,225 $1,008,300 view details »
Stonewall County $524,225 $1,008,300 view details »
Sutton County $524,225 $1,008,300 view details »
Swisher County $524,225 $1,008,300 view details »
Tarrant County $563,500 $1,083,650 view details »
Taylor County $524,225 $1,008,300 view details »
Terrell County $524,225 $1,008,300 view details »
Terry County $524,225 $1,008,300 view details »
Throckmorton County $524,225 $1,008,300 view details »
Titus County $524,225 $1,008,300 view details »
Tom Green County $524,225 $1,008,300 view details »
Travis County $571,550 $1,099,150 view details »
Trinity County $524,225 $1,008,300 view details »
Tyler County $524,225 $1,008,300 view details »
Upshur County $524,225 $1,008,300 view details »
Upton County $524,225 $1,008,300 view details »
Uvalde County $524,225 $1,008,300 view details »
Val Verde County $524,225 $1,008,300 view details »
Van Zandt County $524,225 $1,008,300 view details »
Victoria County $524,225 $1,008,300 view details »
Walker County $524,225 $1,008,300 view details »
Waller County $524,225 $1,008,300 view details »
Ward County $524,225 $1,008,300 view details »
Washington County $524,225 $1,008,300 view details »
Webb County $524,225 $1,008,300 view details »
Wharton County $524,225 $1,008,300 view details »
Wheeler County $524,225 $1,008,300 view details »
Wichita County $524,225 $1,008,300 view details »
Wilbarger County $524,225 $1,008,300 view details »
Willacy County $524,225 $1,008,300 view details »
Williamson County $571,550 $1,099,150 view details »
Wilson County $557,750 $1,072,600 view details »
Winkler County $524,225 $1,008,300 view details »
Wise County $563,500 $1,083,650 view details »
Wood County $524,225 $1,008,300 view details »
Yoakum County $524,225 $1,008,300 view details »
Young County $524,225 $1,008,300 view details »
Zapata County $524,225 $1,008,300 view details »
Zavala County $524,225 $1,008,300 view details »

How to qualify for an FHA Loan in Texas?

To qualify for an FHA loan in Texas, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in Texas is $524,225 for a single-family home and $1,099,150 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Texas. Additional restricts apply. Click on the Texas map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/texas