FHA Loan Limits in Texas for 2026: What You Can Actually Borrow

If you are buying in Texas with an FHA loan this year, there is one number you need to know first. For 2026, the FHA loan limit floor for a one unit home is $541,287. Most Texas counties sit right at that floor.

What does that number actually mean? It is the maximum mortgage amount FHA will insure in your county, not the maximum price of the home. Your down payment sits on top of it. So with the standard 3.5% down, that limit supports a purchase price a good bit higher than $541,287.

A few things that make FHA popular with first time buyers:

• 3.5% down with a 580 credit score or better
• 10% down if your score is between 500 and 579
• Gift funds from family are allowed for your down payment
• Sellers can contribute toward your closing costs

The tradeoff is mortgage insurance. FHA loans carry an upfront mortgage insurance premium plus an annual premium built into your monthly payment. On a positive note, that insurance is exactly what lets you buy with a smaller down payment and a lower score.

Your county might allow more than the floor. HUD sets limits county by county based on local home prices, and some Texas counties land above $541,287. Before you fall in love with a price range, check the limit for the county where you want to buy.

Texas also offers down payment assistance in Texas programs that can layer with an FHA loan. Here is what first time buyers miss.

Want to know what you qualify for with real numbers? Start your application and I will map it out with you.