2026 Texas FHA Loan Limits by County
FHA forward mortgage loan limits for one- through four-unit properties in all 254 Texas counties.
RESEARCH & EDITORIAL
Mortgage research data, sourcing, and corrections
How Kellibrooke researches, reviews, versions, updates, and corrects mortgage and housing information published on kellibrooke.com.
Scope and responsibility
Kellibrooke Mortgage Partners, LLC
Case Laviolette, NMLS #2025459, is the responsible author for mortgage and business content published on this site.
Published material remains Kellibrooke's responsibility when software, outside research, or assisted tools are used in the workflow.
Verify Kellibrooke Mortgage Partners, LLC on NMLS Consumer Access
Primary-source hierarchy
Controlling sources come first.
Material mortgage claims are checked against applicable statutes, regulations, agency handbooks, selling guides, mortgagee letters, circulars, and official program instructions.
Year-specific figures use official datasets or lookup tools from agencies such as HUD, FHFA, VA, USDA, the CFPB, Fannie Mae, Freddie Mac, and Texas regulators. Secondary research is used only for context when a primary source does not answer the question directly.
Example: HUD's official FHA lender and loan-limit source index
Research, drafting, and assisted workflows
Software and artificial-intelligence tools may assist with research organization, drafting, formatting, data transformation, link checking, or quality assurance. No software output is treated as the controlling authority for a mortgage guideline, legal requirement, program limit, or consumer disclosure.
Material rules and numerical claims are checked against the identified source before publication. Data-heavy pages disclose the source, effective date, retrieval or verification date, and methodology when those details matter to interpretation.
Calculators are educational planning tools based on user-entered assumptions and stated rules. They do not produce an approval, rate quote, Loan Estimate, or commitment to lend; the applicable lender guideline, underwriting decision, and transaction disclosures control.
Public mortgage research data
These are the current versions of Kellibrooke's downloadable research datasets. The 6 datasets contain 288 structured records. Each entry links to the human-readable methodology page, the CSV and JSON distributions, and a manifest containing file sizes and SHA-256 hashes. The files are educational research aids, not underwriting findings, approvals, rate quotes, or commitments to lend.
2026 Texas Residential Investor Financing Decision Matrix
A source-reviewed decision matrix pairing conventional agency references with lender-specific verification questions for eligible one-to-four-unit residential properties.
Texas Complex-Income Mortgage Rule Matrix: 2026 Conventional Agency Screening Baseline
A source-mapped screening matrix for separating and reconciling base pay, bonus and commission, restricted stock, K-1 and business income, and rental income in a layered residential mortgage file.
2026 Self-Employed Mortgage Income Worked Examples
Three hypothetical, source-mapped examples showing selected Fannie Mae cash-flow mechanics for Schedule C, S-corporation and K-1 income, and a multi-entity roll-up.
2026 Debt Consolidation Refinance Worked Examples
Three hypothetical, source-mapped examples showing payment, borrowing-cost, debt-to-income, and loan-structure tradeoffs for debt consolidation decisions.
Texas Asset-Depletion Mortgage Rule Matrix: 2026 Agency Version Check
A source-mapped comparison of the current Fannie Mae employment-related asset method, the current Freddie Mac non-adopter method, and the Freddie Mac Bulletin 2026-10 early-adopter method.
Each manifest states the license and its scope. Creative Commons terms apply only to the Kellibrooke compilation or wording identified there; linked agency rules and other source material retain their own terms.
Updates and corrections
Pages use visible review dates or structured date-modified fields where appropriate. A page may be revised when a controlling source changes, a dataset is refreshed, a link moves, or clearer wording is needed. Material factual errors are corrected on the live page; refreshed downloadable data receives a new version and integrity record.
To report a possible error, send the page URL, disputed statement, and supporting source to case@kellibrooke.com. The claim will be reviewed against the best available controlling source and corrected as promptly as practical.
Ownership and commercial relationships
This site is owned and published by Kellibrooke Mortgage Partners, LLC and supports its residential mortgage brokerage operations. Pages may describe mortgage services and link to Kellibrooke contact or pre-qualification forms.
Current public resource links are not represented as paid rankings, sponsored editorial placements, or affiliate recommendations. Any future paid placement, sponsorship, or affiliate relationship that affects published content will be disclosed on the affected page.
Mortgage compensation and transaction-specific costs are disclosed through the applicable federal forms, including the Loan Estimate process described by the Consumer Financial Protection Bureau.
Professional boundaries
Website content is general mortgage education, not legal, tax, accounting, investment, or individualized financial advice. Program availability, pricing, lender overlays, property eligibility, and underwriting requirements can change.
External links help readers verify a source; they do not endorse every statement on the linked website. Readers should confirm transaction-specific questions with the appropriate licensed or qualified professional.
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
Required website notice: 7 TAC 56.200(c).
Required website notice: 7 TAC 56.200(c).
Contact
For a source question, correction request, or question about these standards:
Kellibrooke Mortgage Partners, LLC
NMLS #2022197
Case Laviolette, NMLS #2025459
(512) 350-9124
case@kellibrooke.com
140 Living Oak Cv, San Marcos, TX 78666