Texas County Loan Limits 2026
Pick your county for its exact 2026 FHA, conforming, VA, and Texas VLB loan limits plus the local property tax rate. The conforming limit is $832,750 statewide; FHA limits vary by county.
Texas mortgage loan limits for 2026: the conforming one-unit limit is $832,750 in every Texas county. FHA one-unit limits run from a $541,287 floor in standard-cost counties up to higher caps in high-cost metros. VA has no limit for full-entitlement borrowers. Pick your county below for its exact FHA, conforming, VA, and Texas VLB figures plus the local property tax rate.
How Texas loan limits work in 2026
The conforming limit, set by the FHFA, is the line between a conventional loan and a jumbo loan. For 2026 it is $832,750 statewide in Texas. The FHA limit, set by HUD, caps the maximum FHA-insured loan; it sits at the floor in standard-cost counties and steps up in designated high-cost metros. VA imposes no limit on full-entitlement borrowers. I run the math across all four on every file so you see which program your scenario actually lines up with.
Sources & methodology
Texas loan-limit questions
What is the 2026 conforming loan limit in Texas?
The 2026 one-unit conforming loan limit is $832,750 in every Texas county. No Texas county uses a high-balance conforming limit for 2026; loans above $832,750 are conventional jumbo loans.
Do Texas counties have different FHA loan limits?
Yes. FHA one-unit limits range from the $541,287 statewide floor in standard-cost counties up to higher limits in designated high-cost counties such as the Austin, Dallas-Fort Worth, and San Antonio metros. Select your county for its exact limit.
Are VA loan limits different by county in Texas?
No. Veterans with full entitlement have no VA loan limit in any county. Partial-entitlement borrowers use the conforming limit. All VA programs are subject to VA eligibility and entitlement.
How do I find the loan limit for my Texas county?
Pick your county from the list on this page. Each county page shows its 2026 FHA one-unit limit and the $832,750 conforming limit, along with the VA entitlement rules. If you are not sure which county your address falls in, send it to me and I will confirm the limits that apply to your purchase or refinance.
What is a jumbo loan in Texas?
A jumbo loan is any loan above the 2026 conforming limit of $832,750 for a one-unit home. Texas uses that same conforming limit in every county, so the jumbo threshold does not change from county to county. If your loan amount runs past $832,750, I can walk you through jumbo options.
Do Texas loan limits change every year?
Yes. The conforming limit is set by the Federal Housing Finance Agency and the FHA limits are set by HUD, and both are updated annually, normally effective January 1. The figures shown here are the 2026 limits. I confirm the current limit on every file before we lock.
Not sure which limit applies to your file?
Send me the property and your scenario. I will run FHA, conventional, jumbo, and VA (with eligibility) against your county's 2026 limits so you see exactly where you land.