Texas FHA Loans – 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. These home loans are for borrowers who cannot 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%. It hasn’t changed since 2015.
  • 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 requirements. Monthly mortgage insurance is required for both purchase and refinances 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 these criteria should also look into HUD Home programs by visiting the HUDHomestore.


What is the maximum loan amount/limit in 2020?

The maximum loan amount varies by county for your traditional Texas FHA Loan. The current base FHA loan limit in most Texas counties for a one-family home is set at $331,760

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 type of real estate mortgage home loan programs.

Are there income limits for Texas FHA loans?


Do I need to be a first-time buyer?


Can the seller 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.


What advantages do homeowners have with an FHA loan in Texas?

Firstly, FHA loans in Texas have a much smaller down payment than conventional loans. This is often the reason that home buyers choose FHA loans over other types of mortgages. Conventional home loans usually require a down payment equal to 20 percent of the total value of the loan.

You can learn more by clicking here to read about the pros and cons of FHA loans.


Texas FHA Loans Calculator
Bad Credit Home Loans in Houston, TX


Lending Limits for FHA Loans in TEXAS Counties

These numbers change frequently, so we provide you with a link. You can check the most up to date numbers here.