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, separates conforming from nonconforming conventional financing and varies by property unit count. For 2026 the Texas limits are $832,750 / $1,066,250 / $1,288,800 / $1,601,750 for one through four units. 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 does not set a maximum loan amount, and veterans with full entitlement have no county loan limit. I run the applicable unit-count and program math on every file so you see which route your scenario actually lines up with.
Sources & methodology
- FHFA: 2026 Conforming Loan Limit Values
- HUD Mortgagee Letter 2025-23: 2026 FHA Limits
- U.S. Department of Veterans Affairs: VA Home Loan Limits and Entitlement
- Kellibrooke: Texas FHA Loan Limits 2026 (all 254 counties)
- Kellibrooke: Texas Conforming Loan Limits 2026
- Kellibrooke: Texas VA Loan Limits 2026
Texas loan-limit questions
What is the 2026 conforming loan limit in Texas?
$832,750 is the 2026 one-unit conforming loan limit in every Texas county. The higher limits are $1,066,250 for two units, $1,288,800 for three units, and $1,601,750 for four units. A conventional loan above the limit for its unit count is nonconforming and may use a jumbo or other investor-specific route.
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. VA does not set a maximum loan amount. Veterans with full entitlement have no county loan limit. When entitlement remains tied to another VA loan, the one-unit FHFA conforming limit is used as an input to VA's guaranty calculation; it is not a cap on the amount the veteran may borrow. Eligibility, entitlement, lender approval, and property rules still apply.
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?
For a one-unit property in Texas, conventional financing above $832,750 is nonconforming. For two to four units, compare the loan amount with the higher limit for that unit count: $1,066,250 / $1,288,800 / $1,601,750. A conventional loan above its applicable unit-count limit may use a jumbo or other investor-specific route.
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.