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2021 FHA Loan Limits in Texas

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The FHA loan limit in Texas has increased up to $356,362 and $416,300 for a single-family home, depending on the county. The lower number applies to most counties in the state, however, those buying near big cities may be able to qualify for more.

Prospective homebuyers looking for a house near San Antonio may qualify for $403,650 with an FHA loan, while those in the Dallas-Fort Worth area may be eligible for up to $411,700. Austin-area homebuyers could qualify for as much as $416,300.

Dreaming about buying a house in Texas? This may be the perfect time to buy a home or refinance. Thanks to the Federal Housing Administration (FHA), some Texans can qualify for federally backed loans to help get them into a new house. This year, residents of the Lone Star State are able to borrow more with an FHA loan to make their homeownership dreams a reality.

Texas FHA loan limits by county

FHA Loan Limits in Texas
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Anderson $356,362 $456,275 $551,500 $685,400 $119,000
Andrews $356,362 $456,275 $551,500 $685,400 $166,000
Angelina $356,362 $456,275 $551,500 $685,400 $142,000
Aransas $356,362 $456,275 $551,500 $685,400 $214,000
Archer $356,362 $456,275 $551,500 $685,400 $161,000
Armstrong $356,362 $456,275 $551,500 $685,400 $199,000
Atascosa $403,650 $516,750 $624,600 $776,250 $351,000
Austin $356,362 $456,275 $551,500 $685,400 $290,000
Bailey $356,362 $456,275 $551,500 $685,400 $84,000
Bandera $403,650 $516,750 $624,600 $776,250 $351,000
Bastrop $416,300 $532,950 $644,200 $800,600 $362,000
Baylor $356,362 $456,275 $551,500 $685,400 $93,000
Bee $356,362 $456,275 $551,500 $685,400 $136,000
Bell $356,362 $456,275 $551,500 $685,400 $192,000
Bexar $403,650 $516,750 $624,600 $776,250 $351,000
Blanco $356,362 $456,275 $551,500 $685,400 $187,000
Borden $356,362 $456,275 $551,500 $685,400 $180,000
Bosque $356,362 $456,275 $551,500 $685,400 $137,000
Bowie $356,362 $456,275 $551,500 $685,400 $150,000
Brazoria $356,362 $456,275 $551,500 $685,400 $290,000
Brazos $356,362 $456,275 $551,500 $685,400 $245,000
Brewster $356,362 $456,275 $551,500 $685,400 $198,000
Briscoe $356,362 $456,275 $551,500 $685,400 $82,000
Brooks $356,362 $456,275 $551,500 $685,400 $74,000
Brown $356,362 $456,275 $551,500 $685,400 $142,000
Burleson $356,362 $456,275 $551,500 $685,400 $245,000
Burnet $356,362 $456,275 $551,500 $685,400 $230,000
Caldwell $416,300 $532,950 $644,200 $800,600 $362,000
Calhoun $356,362 $456,275 $551,500 $685,400 $133,000
Callahan $356,362 $456,275 $551,500 $685,400 $189,000
Cameron $356,362 $456,275 $551,500 $685,400 $136,000
Camp $356,362 $456,275 $551,500 $685,400 $159,000
Carson $356,362 $456,275 $551,500 $685,400 $199,000
Cass $356,362 $456,275 $551,500 $685,400 $106,000
Castro $356,362 $456,275 $551,500 $685,400 $111,000
Chambers $356,362 $456,275 $551,500 $685,400 $290,000
Cherokee $356,362 $456,275 $551,500 $685,400 $125,000
Childress $356,362 $456,275 $551,500 $685,400 $81,000
Clay $356,362 $456,275 $551,500 $685,400 $161,000
Cochran $356,362 $456,275 $551,500 $685,400 $82,000
Coke $356,362 $456,275 $551,500 $685,400 $119,000
Coleman $356,362 $456,275 $551,500 $685,400 $80,000
Collin $411,700 $527,050 $637,050 $791,750 $358,000
Collingsworth $356,362 $456,275 $551,500 $685,400 $97,000
Colorado $356,362 $456,275 $551,500 $685,400 $173,000
Comal $403,650 $516,750 $624,600 $776,250 $351,000
Comanche $356,362 $456,275 $551,500 $685,400 $119,000
Concho $356,362 $456,275 $551,500 $685,400 $114,000
Cooke $356,362 $456,275 $551,500 $685,400 $199,000
Coryell $356,362 $456,275 $551,500 $685,400 $192,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets limits on how expensive a house the FHA will insure in each county in the United States. These limits are set based on the current year’s conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2021, that conforming limit is $548,250, up roughly $38,000 from 2020’s limit of $510,400.

The FHA “floor” is the largest mortgage the agency will issue in most of the country and is 65% of the conforming loan limit. In 2021, the FHA floor is set at $356,362, an increase of about $24,600 above the 2020 limit of $331,760.

The FHA “ceiling” is a higher limit that only applies to high-cost areas. This is set at 150% of the conforming loan limit, or $822,375 for single-family homes. With a few exceptions, this is generally the largest mortgage amount the agency will insure for a single-family home. In many parts of the country, loan limits fall somewhere between the FHA floor and ceiling.

Outside of the lower 48 states, FHA maximum loan limits are higher because of more expensive construction costs. These include the special exception areas of Alaska, Hawaii, Guam and the U.S. Virgin Islands.

Here are the 2021 standard FHA limits for all property types:

  • One-unit: $356,362
  • Two-unit: $456,275
  • Three-unit: $551,500
  • Four-unit: $685,400

Here are the 2021 standard FHA limits for high-cost areas:

  • One-unit: $822,375
  • Two-unit: $1,053,000
  • Three-unit: $1,272,750
  • Four-unit: $1,581,750

Do you qualify for an FHA loan in Texas?

FHA loans are a great deal for qualified buyers, thanks to lower down payments and closing costs. Find out if your credit score and income will help you qualify for one of these loans.

 

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