Potter County Loan Limits 2026 (Amarillo, TX)
All 2026 limits for Potter County (Amarillo area, Amarillo MSA) in one place: FHA, conforming, VA, and Texas VLB. Plus how the 1.53% effective property tax rate affects your monthly payment math.
Potter County 2026 loan limits are: FHA 1-unit $541,287 (standard-cost designation), conforming 1-unit $832,750 (statewide Texas baseline), VA no limit for full-entitlement borrowers. Why it matters: the FHA limit caps maximum FHA loan amount in Potter County; loans above that need conventional, jumbo, or VA. The conforming limit divides conventional from jumbo. Texas-specific: the 1.53% effective property tax rate materially affects your monthly escrow math.
Potter County key facts (2026)
- $541,287: 2026 one-unit FHA loan limit (Standard designation; HUD ML 2025-23)
- $832,750: 2026 one-unit conforming loan limit (statewide; FHFA Nov 25, 2025)
- No loan limit for full-entitlement VA borrowers; partial entitlement uses conforming
- $832,750: Texas VLB Home Loan cap (Texas GLO, January 2026)
- 1.53%: effective property tax rate (verify with county appraisal district)
- $140,000 school district homestead exemption (Prop 13, effective 2026)
- Amarillo is the county seat; Amarillo is the MSA
- 118,525: 2020 Census population
- Notable cities: Amarillo, Bushland
Potter County 2026 FHA loan limits (1 to 4 units)
Per HUD Mortgagee Letter 2025-23, effective January 1, 2026 through December 31, 2026.
| Units | FHA Limit | Notes |
|---|---|---|
| 1-Unit | $541,287 | Single-family / condo |
| 2-Unit | $693,050 | Duplex (owner-occupied one unit) |
| 3-Unit | $837,700 | Triplex (owner-occupied one unit) |
| 4-Unit | $1,041,125 | Fourplex (owner-occupied one unit) |
Potter County program limits compared
One-unit 2026 limits across the four main loan programs.
| Program | Potter County 2026 Limit (1 unit) |
|---|---|
| FHA | $541,287 |
| Conforming (Fannie/Freddie) | $832,750 |
| VA (full entitlement) | No limit |
| VA (partial entitlement) | $832,750 |
| Texas VLB Home Loan | $832,750 |
How property tax in Potter County affects your file
Potter County's effective property tax rate runs approximately 1.53% of home value per year. Proposition 13, approved by Texas voters in November 2025, raised the school-district homestead exemption to $140,000 (from $100,000) effective in 2026, which lowers the school-tax portion of your bill. Over-65 and disabled homeowners receive an additional $60,000 exemption (Proposition 11), for $200,000 total off school-district taxes.
What this means for your file: at approximately 1.53%, Potter County's effective property tax rate reflects Texas's reliance on property tax in place of a state income tax, and it lands in your monthly escrow on top of mortgage principal and interest. For DSCR investor files, a higher tax rate compresses the rent-to-PITIA ratio versus low-tax states.
I model the full PITIA on every Potter County file before we make an offer, so the monthly payment math is real, not a guess. I am Austin-based and licensed statewide in Texas, working Potter County routinely.
Cities and ZIPs I work in Potter County
I write files across Potter County. The cities below are the most common purchase markets:
Amarillo, Bushland.
Sources & methodology
- HUD Mortgagee Letter 2025-23: 2026 Nationwide Forward Mortgage Limits
- HUD FHA Loan Limits Lookup (county-by-county)
- FHFA: 2026 Conforming Loan Limit Values (Nov 25, 2025)
- Texas Comptroller: Property Tax (county-by-county rates)
- Texas Veterans Land Board: Home Loan Program
- Kellibrooke: Texas Conforming Loan Limits 2026
- Kellibrooke: Texas FHA Loan Limits 2026 (all 254 counties)
Common Potter County loan-limit questions
What is the 2026 FHA loan limit for Potter County?
For 2026, the one-unit FHA loan limit in Potter County is $541,287, per HUD Mortgagee Letter 2025-23. Potter County is designated a standard-cost area. Two-unit, three-unit, and four-unit limits step up from there: $693,050 / $837,700 / $1,041,125.
What is the 2026 conforming loan limit in Potter County?
$832,750 for one-unit conventional loans. The conforming limit is statewide in Texas; no county uses a higher limit for 2026. Loans above $832,750 are conventional jumbo loans.
Are VA loans available in Potter County?
Yes. VA loans are available to eligible veterans in every Texas county including Potter County. Full-entitlement borrowers have no loan limit; partial entitlement uses the conforming limit ($832,750). All VA programs subject to VA eligibility and entitlement.
What is the property tax rate in Potter County?
Potter County's effective property tax rate runs approximately 1.53% of home value per year. The $140,000 school district homestead exemption (raised by Proposition 13, approved November 2025, effective 2026) reduces the school-tax portion. Always verify the current rate with the county appraisal district before relying on it.
How much is the homestead exemption in Potter County?
The statewide Texas school-district homestead exemption removes $140,000 of appraised value from the school-tax portion of your bill. The dollar savings equal $140,000 times your local school-district tax rate, which varies by district, so I cannot quote one flat number for every address in Potter County. Homeowners who are 65 or older or disabled qualify for additional exemptions on top of that.
When do you need a jumbo loan in Potter County?
You need a jumbo loan when the loan amount goes above the statewide 2026 conforming limit of $832,750 on a one-unit home. A loan at or below that line can run as conforming; above it, it becomes a conventional jumbo loan. For an FHA-eligible file, compare your loan amount against the Potter County FHA and conforming limits shown in the table above to see which program your file lines up with.
What first-time home buyer programs are available in Potter County?
Potter County buyers can use the statewide first-time buyer programs: TSAHC (Home Sweet Texas and Homes for Texas Heroes), TDHCA My First Texas Home, and the Texas Mortgage Credit Certificate. Down payment assistance is available through these programs. I can walk you through which one fits your file and help you apply.
Buying or refinancing in Potter County?
Send me the property and your scenario. I will run the math across FHA, conventional, jumbo, and VA (with eligibility) so you see which program your file actually lines up with.