Texas FHA Loan Programs and Loan Limits

texas fha loan

Texas FHA Loan

FHA loan mortgage lending limits in TEXAS vary based on the different housing types and the costs of local Texas housing. FHA home loans are designed for borrowers who are unable to make large down payments. FHA loans are also typically an attractive option for first-time home buyers. Check out the 2017 FHA Loan Requirements and Guidelines.

 

  • The maximum Texas FHA loan lending limit for a one family (and condominium) residential home is 271,050 in most Texas counties, however, there are 35 Texas counties exceed the FHA limit. Those counties have the highest FHA loan limit at $316,250.
  • The minimum down payment for Texas FHA loans is only 3.5%.
  • The FHA home loan is a very popular loan program for Texas home buyers and homeowners who are seeking an affordable mortgage because of the flexible underwriting guidelines and reduced credit score requirement. Monthly mortgage insurance is required for both purchase and refinance loans, however, the monthly premium is very affordable.

 

Apply for FHA Loan in Texas

 

What exactly is the FHA?

The Federal Housing Administration (FHA) was founded during the Great Depression to support the housing industry. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934. The FHA remains committed to help homeowners that do not satisfy typical financing needs, have a low credit score or have an inconsistent income history. Borrowers that meet this criteria should also look into HUD Home programs by visiting the HUDHomestore.

 

What is the maximum loan amount/limit 2017?

Maximum loan amount vary by county for your traditional Texas FHA Loan. The current base FHA loan limit in most of Texas counties for a one-family home is set at $275,665.00.

 

Texas First-Time Home Buyer Loan:

The Texas FHA loan program was designed and created to help increase homeownership. The Texas FHA loan program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

 

Are there income limits for Texas FHA loans?

No!

 

Do I need to be a first-time buyer?

No!

 

Is the the seller permitted to pay my closing costs or incentives?

Yes they can absolutely help with that! The Federal Housing Administration (FHA) will allow the home seller to pay as much as 6% of the purchase price toward the buyer’s settlement costs

 

Do I need to have perfect credit for a Texas FHA loan?

The FHA credit score guidelines are the same in Texas as they are anywhere else in the United States. You can even qualify for a Texas FHA loan with less than perfect credit.

 

Texas FHA Loans Calculator

 

Lending Limits for FHA Loans in TEXAS Counties

One-Family is a single family home or condominium
Two-Family is two separate living units (duplex)
Three-Family three separate living units (triplex)
Four-Family  four separate living units (fourplex)

 

Texas Counties One-Family Two-Family Three-Family Four-Family
ANDERSON 271,050 347,000 419,425 521,250
ANDREWS 271,050 347,000 419,425 521,250
ANGELINA 271,050 347,000 419,425 521,250
ARANSAS 271,050 347,000 419,425 521,250
ARCHER 271,050 347,000 419,425 521,250
ARMSTRONG 271,050 347,000 419,425 521,250
ATASCOSA 316,250 404,850 489,350 608,150
AUSTIN 326,600 418,100 505,400 628,050
BAILEY 271,050 347,000 419,425 521,250
BANDERA 316,250 404,850 489,350 608,150
BASTROP 331,200 424,000 512,500 636,900
BAYLOR 271,050 347,000 419,425 521,250
BEE 271,050 347,000 419,425 521,250
BELL 271,050 347,000 419,425 521,250
BEXAR 316,250 404,850 489,350 608,150
BLANCO 271,050 347,000 419,425 521,250
BORDEN 271,050 347,000 419,425 521,250
BOSQUE 271,050 347,000 419,425 521,250
BOWIE 271,050 347,000 419,425 521,250
BRAZORIA 326,600 418,100 505,400 628,050
BRAZOS 271,050 347,000 419,425 521,250
BREWSTER 271,050 347,000 419,425 521,250
BRISCOE 271,050 347,000 419,425 521,250
BROOKS 271,050 347,000 419,425 521,250
BROWN 271,050 347,000 419,425 521,250
BURLESON 271,050 347,000 419,425 521,250
BURNET 271,050 347,000 419,425 521,250
CALDWELL 331,200 424,000 512,500 636,900
CALHOUN 271,050 347,000 419,425 521,250
CALLAHAN 271,050 347,000 419,425 521,250
CAMERON 271,050 347,000 419,425 521,250
CAMP 271,050 347,000 419,425 521,250
CARSON 271,050 347,000 419,425 521,250
CASS 271,050 347,000 419,425 521,250
CASTRO 271,050 347,000 419,425 521,250
CHAMBERS 326,600 418,100 505,400 628,050
CHEROKEE 271,050 347,000 419,425 521,250
CHILDRESS 271,050 347,000 419,425 521,250
CLAY 271,050 347,000 419,425 521,250
COCHRAN 271,050 347,000 419,425 521,250
COKE 271,050 347,000 419,425 521,250
COLEMAN 271,050 347,000 419,425 521,250
COLLIN 310,500 397,500 480,450 597,100
COLLINGSWORTH 271,050 347,000 419,425 521,250
COLORADO 271,050 347,000 419,425 521,250
COMAL 316,250 404,850 489,350 608,150
COMANCHE 271,050 347,000 419,425 521,250
CONCHO 271,050 347,000 419,425 521,250
COOKE 271,050 347,000 419,425 521,250
CORYELL 271,050 347,000 419,425 521,250
COTTLE 271,050 347,000 419,425 521,250
CRANE 271,050 347,000 419,425 521,250
CROCKETT 271,050 347,000 419,425 521,250
CROSBY 271,050 347,000 419,425 521,250
CULBERSON 271,050 347,000 419,425 521,250
DALLAM 271,050 347,000 419,425 521,250
DALLAS 310,500 397,500 480,450 597,100
DAWSON 271,050 347,000 419,425 521,250
DEAF SMITH 271,050 347,000 419,425 521,250
DELTA 271,050 347,000 419,425 521,250
DENTON 310,500 397,500 480,450 597,100
DEWITT 271,050 347,000 419,425 521,250
DICKENS 271,050 347,000 419,425 521,250
DIMMIT 271,050 347,000 419,425 521,250
DONLEY 271,050 347,000 419,425 521,250
DUVAL 271,050 347,000 419,425 521,250
EASTLAND 271,050 347,000 419,425 521,250
ECTOR 271,050 347,000 419,425 521,250
EDWARDS 271,050 347,000 419,425 521,250
EL PASO 271,050 347,000 419,425 521,250
ELLIS 310,500 397,500 480,450 597,100
ERATH 271,050 347,000 419,425 521,250
FALLS 271,050 347,000 419,425 521,250
FANNIN 271,050 347,000 419,425 521,250
FAYETTE 271,050 347,000 419,425 521,250
FISHER 271,050 347,000 419,425 521,250
FLOYD 271,050 347,000 419,425 521,250
FOARD 271,050 347,000 419,425 521,250
FORT BEND 326,600 418,100 505,400 628,050
FRANKLIN 271,050 347,000 419,425 521,250
FREESTONE 271,050 347,000 419,425 521,250
FRIO 271,050 347,000 419,425 521,250
GAINES 271,050 347,000 419,425 521,250
GALVESTON 326,600 418,100 505,400 628,050
GARZA 271,050 347,000 419,425 521,250
GILLESPIE 271,050 347,000 419,425 521,250
GLASSCOCK 271,050 347,000 419,425 521,250
GOLIAD 271,050 347,000 419,425 521,250
GONZALES 271,050 347,000 419,425 521,250
GRAY 271,050 347,000 419,425 521,250
GRAYSON 271,050 347,000 419,425 521,250
GREGG 271,050 347,000 419,425 521,250
GRIMES 271,050 347,000 419,425 521,250
GUADALUPE 316,250 404,850 489,350 608,150
HALE 271,050 347,000 419,425 521,250
HALL 271,050 347,000 419,425 521,250
HAMILTON 271,050 347,000 419,425 521,250
HANSFORD 271,050 347,000 419,425 521,250
HARDEMAN 271,050 347,000 419,425 521,250
HARDIN 271,050 347,000 419,425 521,250
HARRIS 326,600 418,100 505,400 628,050
HARRISON 271,050 347,000 419,425 521,250
HARTLEY 271,050 347,000 419,425 521,250
HASKELL 271,050 347,000 419,425 521,250
HAYS 331,200 424,000 512,500 636,900
HEMPHILL 271,050 347,000 419,425 521,250
HENDERSON 271,050 347,000 419,425 521,250
HIDALGO 271,050 347,000 419,425 521,250
HILL 271,050 347,000 419,425 521,250
HOCKLEY 271,050 347,000 419,425 521,250
HOOD 310,500 397,500 480,450 597,100
HOPKINS 271,050 347,000 419,425 521,250
HOUSTON 271,050 347,000 419,425 521,250
HOWARD 271,050 347,000 419,425 521,250
HUDSPETH 271,050 347,000 419,425 521,250
HUNT 310,500 397,500 480,450 597,100
HUTCHINSON 271,050 347,000 419,425 521,250
IRION 271,050 347,000 419,425 521,250
JACK 271,050 347,000 419,425 521,250
JACKSON 271,050 347,000 419,425 521,250
JASPER 271,050 347,000 419,425 521,250
JEFF DAVIS 271,050 347,000 419,425 521,250
JEFFERSON 271,050 347,000 419,425 521,250
JIM HOGG 271,050 347,000 419,425 521,250
JIM WELLS 271,050 347,000 419,425 521,250
JOHNSON 310,500 397,500 480,450 597,100
JONES 271,050 347,000 419,425 521,250
KARNES 271,050 347,000 419,425 521,250
KAUFMAN 310,500 397,500 480,450 597,100
KENDALL 316,250 404,850 489,350 608,150
KENEDY 271,050 347,000 419,425 521,250
KENT 271,050 347,000 419,425 521,250
KERR 271,050 347,000 419,425 521,250
KIMBLE 271,050 347,000 419,425 521,250
KING 271,050 347,000 419,425 521,250
KINNEY 271,050 347,000 419,425 521,250
KLEBERG 271,050 347,000 419,425 521,250
KNOX 271,050 347,000 419,425 521,250
LA SALLE 271,050 347,000 419,425 521,250
LAMAR 271,050 347,000 419,425 521,250
LAMB 271,050 347,000 419,425 521,250
LAMPASAS 271,050 347,000 419,425 521,250
LAVACA 271,050 347,000 419,425 521,250
LEE 271,050 347,000 419,425 521,250
LEON 271,050 347,000 419,425 521,250
LIBERTY 326,600 418,100 505,400 628,050
LIMESTONE 271,050 347,000 419,425 521,250
LIPSCOMB 271,050 347,000 419,425 521,250
LIVE OAK 271,050 347,000 419,425 521,250
LLANO 271,050 347,000 419,425 521,250
LOVING 271,050 347,000 419,425 521,250
LUBBOCK 271,050 347,000 419,425 521,250
LYNN 271,050 347,000 419,425 521,250
MADISON 271,050 347,000 419,425 521,250
MARION 271,050 347,000 419,425 521,250
MARTIN 273,700 350,350 423,500 526,350
MASON 271,050 347,000 419,425 521,250
MATAGORDA 271,050 347,000 419,425 521,250
MAVERICK 271,050 347,000 419,425 521,250
MCCULLOCH 271,050 347,000 419,425 521,250
MCLENNAN 271,050 347,000 419,425 521,250
MCMULLEN 271,050 347,000 419,425 521,250
MEDINA 316,250 404,850 489,350 608,150
MENARD 271,050 347,000 419,425 521,250
MIDLAND 273,700 350,350 423,500 526,350
MILAM 271,050 347,000 419,425 521,250
MILLS 271,050 347,000 419,425 521,250
MITCHELL 271,050 347,000 419,425 521,250
MONTAGUE 271,050 347,000 419,425 521,250
MONTGOMERY 326,600 418,100 505,400 628,050
MOORE 271,050 347,000 419,425 521,250
MORRIS 271,050 347,000 419,425 521,250
MOTLEY 271,050 347,000 419,425 521,250
NACOGDOCHES 271,050 347,000 419,425 521,250
NAVARRO 271,050 347,000 419,425 521,250
NEWTON 271,050 347,000 419,425 521,250
NOLAN 271,050 347,000 419,425 521,250
NUECES 271,050 347,000 419,425 521,250
OCHILTREE 271,050 347,000 419,425 521,250
OLDHAM 271,050 347,000 419,425 521,250
ORANGE 271,050 347,000 419,425 521,250
PALO PINTO 271,050 347,000 419,425 521,250
PANOLA 271,050 347,000 419,425 521,250
PARKER 310,500 397,500 480,450 597,100
PARMER 271,050 347,000 419,425 521,250
PECOS 271,050 347,000 419,425 521,250
POLK 271,050 347,000 419,425 521,250
POTTER 271,050 347,000 419,425 521,250
PRESIDIO 271,050 347,000 419,425 521,250
RAINS 271,050 347,000 419,425 521,250
RANDALL 271,050 347,000 419,425 521,250
REAGAN 271,050 347,000 419,425 521,250
REAL 271,050 347,000 419,425 521,250
RED RIVER 271,050 347,000 419,425 521,250
REEVES 271,050 347,000 419,425 521,250
REFUGIO 271,050 347,000 419,425 521,250
ROBERTS 271,050 347,000 419,425 521,250
ROBERTSON 271,050 347,000 419,425 521,250
ROCKWALL 310,500 397,500 480,450 597,100
RUNNELS 271,050 347,000 419,425 521,250
RUSK 271,050 347,000 419,425 521,250
SABINE 271,050 347,000 419,425 521,250
SAN AUGUSTINE 271,050 347,000 419,425 521,250
SAN JACINTO 271,050 347,000 419,425 521,250
SAN PATRICIO 271,050 347,000 419,425 521,250
SAN SABA 271,050 347,000 419,425 521,250
SCHLEICHER 271,050 347,000 419,425 521,250
SCURRY 271,050 347,000 419,425 521,250
SHACKELFORD 271,050 347,000 419,425 521,250
SHELBY 271,050 347,000 419,425 521,250
SHERMAN 271,050 347,000 419,425 521,250
SMITH 271,050 347,000 419,425 521,250
SOMERVELL 310,500 397,500 480,450 597,100
STARR 271,050 347,000 419,425 521,250
STEPHENS 271,050 347,000 419,425 521,250
STERLING 271,050 347,000 419,425 521,250
STONEWALL 271,050 347,000 419,425 521,250
SUTTON 271,050 347,000 419,425 521,250
SWISHER 271,050 347,000 419,425 521,250
TARRANT 310,500 397,500 480,450 597,100
TAYLOR 271,050 347,000 419,425 521,250
TERRELL 271,050 347,000 419,425 521,250
TERRY 271,050 347,000 419,425 521,250
THROCKMORTON 271,050 347,000 419,425 521,250
TITUS 271,050 347,000 419,425 521,250
TOM GREEN 271,050 347,000 419,425 521,250
TRAVIS 331,200 424,000 512,500 636,900
TRINITY 271,050 347,000 419,425 521,250
TYLER 271,050 347,000 419,425 521,250
UPSHUR 271,050 347,000 419,425 521,250
UPTON 271,050 347,000 419,425 521,250
UVALDE 271,050 347,000 419,425 521,250
VAL VERDE 271,050 347,000 419,425 521,250
VAN ZANDT 271,050 347,000 419,425 521,250
VICTORIA 271,050 347,000 419,425 521,250
WALKER 271,050 347,000 419,425 521,250
WALLER 326,600 418,100 505,400 628,050
WARD 271,050 347,000 419,425 521,250
WASHINGTON 271,050 347,000 419,425 521,250
WEBB 271,050 347,000 419,425 521,250
WHARTON 271,050 347,000 419,425 521,250
WHEELER 271,050 347,000 419,425 521,250
WICHITA 271,050 347,000 419,425 521,250
WILBARGER 271,050 347,000 419,425 521,250
WILLACY 271,050 347,000 419,425 521,250
WILLIAMSON 331,200 424,000 512,500 636,900
WILSON 316,250 404,850 489,350 608,150
WINKLER 271,050 347,000 419,425 521,250
WISE 310,500 397,500 480,450 597,100
WOOD 271,050 347,000 419,425 521,250
YOAKUM 271,050 347,000 419,425 521,250
YOUNG 271,050 347,000 419,425 521,250
ZAPATA 271,050 347,000 419,425 521,250
ZAVALA 271,050 347,000 419,425 521,250