Texas 2023 FHA Loan Limits
Loan Limits in Texas
Texas has 254 counties with FHA Limits ranging from a low of $472,030 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.
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)
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 2023, the maximum loan limit in Texas is $472,030 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.