Texas loan limits 2026 by county
In 2026, every one of the 254 counties in Texas has the $832,750 baseline conforming loan limit for a one-unit home. FHA limits run from $541,287 to $813,050: 25 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
$832,750
Highest conforming limit, 1 unit (2026)
0 of 254
Counties above the $832,750 baseline
$813,050
Highest FHA limit, 1 unit (2026)
25 of 254
Counties above the $541,287 FHA floor
FHA and conforming loan limits for every Texas county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Anderson County | $832,750 | $541,287 | Palestine, TX |
| Andrews County | $832,750 | $541,287 | Andrews, TX |
| Angelina County | $832,750 | $541,287 | Lufkin, TX |
| Aransas County | $832,750 | $541,287 | Corpus Christi, TX |
| Archer County | $832,750 | $541,287 | Wichita Falls, TX |
| Armstrong County | $832,750 | $541,287 | Amarillo, TX |
| Atascosa County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Austin County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Bailey County | $832,750 | $541,287 | Non-Metro |
| Bandera County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Bastrop County | $832,750 | $571,550 | Austin-Round Rock-San Marcos, TX |
| Baylor County | $832,750 | $541,287 | Non-Metro |
| Bee County | $832,750 | $541,287 | Beeville, TX |
| Bell County | $832,750 | $541,287 | Killeen-Temple, TX |
| Bexar County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Blanco County | $832,750 | $541,287 | Non-Metro |
| Borden County | $832,750 | $541,287 | Non-Metro |
| Bosque County | $832,750 | $541,287 | Waco, TX |
| Bowie County | $832,750 | $541,287 | Texarkana, TX-AR |
| Brazoria County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Brazos County | $832,750 | $541,287 | College Station-Bryan, TX |
| Brewster County | $832,750 | $541,287 | Non-Metro |
| Briscoe County | $832,750 | $541,287 | Non-Metro |
| Brooks County | $832,750 | $541,287 | Alice, TX |
| Brown County | $832,750 | $541,287 | Brownwood, TX |
| Burleson County | $832,750 | $541,287 | College Station-Bryan, TX |
| Burnet County | $832,750 | $541,287 | Non-Metro |
| Caldwell County | $832,750 | $571,550 | Austin-Round Rock-San Marcos, TX |
| Calhoun County | $832,750 | $541,287 | Port Lavaca, TX |
| Callahan County | $832,750 | $541,287 | Abilene, TX |
| Cameron County | $832,750 | $541,287 | Brownsville-Harlingen, TX |
| Camp County | $832,750 | $541,287 | Mount Pleasant, TX |
| Carson County | $832,750 | $541,287 | Amarillo, TX |
| Cass County | $832,750 | $541,287 | Non-Metro |
| Castro County | $832,750 | $541,287 | Non-Metro |
| Chambers County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Cherokee County | $832,750 | $541,287 | Jacksonville, TX |
| Childress County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Wichita Falls, TX |
| Cochran County | $832,750 | $541,287 | Lubbock, TX |
| Coke County | $832,750 | $541,287 | Non-Metro |
| Coleman County | $832,750 | $541,287 | Non-Metro |
| Collin County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Collingsworth County | $832,750 | $541,287 | Non-Metro |
| Colorado County | $832,750 | $541,287 | Non-Metro |
| Comal County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Comanche County | $832,750 | $541,287 | Non-Metro |
| Concho County | $832,750 | $541,287 | Non-Metro |
| Cooke County | $832,750 | $541,287 | Gainesville, TX |
| Coryell County | $832,750 | $541,287 | Killeen-Temple, TX |
| Cottle County | $832,750 | $541,287 | Non-Metro |
| Crane County | $832,750 | $541,287 | Non-Metro |
| Crockett County | $832,750 | $541,287 | Non-Metro |
| Crosby County | $832,750 | $541,287 | Lubbock, TX |
| Culberson County | $832,750 | $541,287 | Non-Metro |
| Dallam County | $832,750 | $541,287 | Non-Metro |
| Dallas County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Dawson County | $832,750 | $541,287 | Non-Metro |
| DeWitt County | $832,750 | $541,287 | Non-Metro |
| Deaf Smith County | $832,750 | $541,287 | Hereford, TX |
| Delta County | $832,750 | $541,287 | Non-Metro |
| Denton County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Dickens County | $832,750 | $541,287 | Non-Metro |
| Dimmit County | $832,750 | $541,287 | Non-Metro |
| Donley County | $832,750 | $541,287 | Non-Metro |
| Duval County | $832,750 | $541,287 | Non-Metro |
| Eastland County | $832,750 | $541,287 | Non-Metro |
| Ector County | $832,750 | $541,287 | Odessa, TX |
| Edwards County | $832,750 | $541,287 | Non-Metro |
| El Paso County | $832,750 | $541,287 | El Paso, TX |
| Ellis County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Erath County | $832,750 | $541,287 | Stephenville, TX |
| Falls County | $832,750 | $541,287 | Waco, TX |
| Fannin County | $832,750 | $541,287 | Bonham, TX |
| Fayette County | $832,750 | $541,287 | Non-Metro |
| Fisher County | $832,750 | $541,287 | Non-Metro |
| Floyd County | $832,750 | $541,287 | Plainview, TX |
| Foard County | $832,750 | $541,287 | Non-Metro |
| Fort Bend County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Freestone County | $832,750 | $541,287 | Non-Metro |
| Frio County | $832,750 | $541,287 | Non-Metro |
| Gaines County | $832,750 | $541,287 | Non-Metro |
| Galveston County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Garza County | $832,750 | $541,287 | Lubbock, TX |
| Gillespie County | $832,750 | $541,287 | Fredericksburg, TX |
| Glasscock County | $832,750 | $813,050 | Non-Metro |
| Goliad County | $832,750 | $541,287 | Victoria, TX |
| Gonzales County | $832,750 | $541,287 | Non-Metro |
| Gray County | $832,750 | $541,287 | Pampa, TX |
| Grayson County | $832,750 | $541,287 | Sherman-Denison, TX |
| Gregg County | $832,750 | $541,287 | Longview, TX |
| Grimes County | $832,750 | $541,287 | Non-Metro |
| Guadalupe County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Hale County | $832,750 | $541,287 | Plainview, TX |
| Hall County | $832,750 | $541,287 | Non-Metro |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Hansford County | $832,750 | $541,287 | Non-Metro |
| Hardeman County | $832,750 | $541,287 | Non-Metro |
| Hardin County | $832,750 | $541,287 | Beaumont-Port Arthur, TX |
| Harris County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Harrison County | $832,750 | $541,287 | Longview, TX |
| Hartley County | $832,750 | $541,287 | Non-Metro |
| Haskell County | $832,750 | $541,287 | Non-Metro |
| Hays County | $832,750 | $571,550 | Austin-Round Rock-San Marcos, TX |
| Hemphill County | $832,750 | $541,287 | Non-Metro |
| Henderson County | $832,750 | $541,287 | Athens, TX |
| Hidalgo County | $832,750 | $541,287 | Mcallen-Edinburg-Mission, TX |
| Hill County | $832,750 | $541,287 | Non-Metro |
| Hockley County | $832,750 | $541,287 | Lubbock, TX |
| Hood County | $832,750 | $541,287 | Granbury, TX |
| Hopkins County | $832,750 | $541,287 | Sulphur Springs, TX |
| Houston County | $832,750 | $541,287 | Non-Metro |
| Howard County | $832,750 | $541,287 | Big Spring, TX |
| Hudspeth County | $832,750 | $541,287 | El Paso, TX |
| Hunt County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Hutchinson County | $832,750 | $541,287 | Borger, TX |
| Irion County | $832,750 | $541,287 | San Angelo, TX |
| Jack County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jasper County | $832,750 | $541,287 | Non-Metro |
| Jeff Davis County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Beaumont-Port Arthur, TX |
| Jim Hogg County | $832,750 | $541,287 | Non-Metro |
| Jim Wells County | $832,750 | $541,287 | Alice, TX |
| Johnson County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Jones County | $832,750 | $541,287 | Abilene, TX |
| Karnes County | $832,750 | $541,287 | Non-Metro |
| Kaufman County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Kendall County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Kenedy County | $832,750 | $541,287 | Non-Metro |
| Kent County | $832,750 | $541,287 | Non-Metro |
| Kerr County | $832,750 | $541,287 | Kerrville, TX |
| Kimble County | $832,750 | $541,287 | Non-Metro |
| King County | $832,750 | $541,287 | Non-Metro |
| Kinney County | $832,750 | $541,287 | Non-Metro |
| Kleberg County | $832,750 | $541,287 | Kingsville, TX |
| Knox County | $832,750 | $541,287 | Non-Metro |
| La Salle County | $832,750 | $541,287 | Non-Metro |
| Lamar County | $832,750 | $541,287 | Paris, TX |
| Lamb County | $832,750 | $541,287 | Non-Metro |
| Lampasas County | $832,750 | $541,287 | Killeen-Temple, TX |
| Lavaca County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Non-Metro |
| Leon County | $832,750 | $541,287 | Non-Metro |
| Liberty County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Limestone County | $832,750 | $541,287 | Non-Metro |
| Lipscomb County | $832,750 | $541,287 | Non-Metro |
| Live Oak County | $832,750 | $541,287 | Non-Metro |
| Llano County | $832,750 | $541,287 | Non-Metro |
| Loving County | $832,750 | $541,287 | Non-Metro |
| Lubbock County | $832,750 | $541,287 | Lubbock, TX |
| Lynn County | $832,750 | $541,287 | Lubbock, TX |
| Madison County | $832,750 | $541,287 | Non-Metro |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Martin County | $832,750 | $541,287 | Midland, TX |
| Mason County | $832,750 | $541,287 | Non-Metro |
| Matagorda County | $832,750 | $541,287 | Bay City, TX |
| Maverick County | $832,750 | $541,287 | Eagle Pass, TX |
| McCulloch County | $832,750 | $541,287 | Non-Metro |
| McLennan County | $832,750 | $541,287 | Waco, TX |
| McMullen County | $832,750 | $541,287 | Non-Metro |
| Medina County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Menard County | $832,750 | $541,287 | Non-Metro |
| Midland County | $832,750 | $541,287 | Midland, TX |
| Milam County | $832,750 | $541,287 | Non-Metro |
| Mills County | $832,750 | $541,287 | Non-Metro |
| Mitchell County | $832,750 | $541,287 | Non-Metro |
| Montague County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Moore County | $832,750 | $541,287 | Dumas, TX |
| Morris County | $832,750 | $541,287 | Mount Pleasant, TX |
| Motley County | $832,750 | $541,287 | Non-Metro |
| Nacogdoches County | $832,750 | $541,287 | Nacogdoches, TX |
| Navarro County | $832,750 | $541,287 | Corsicana, TX |
| Newton County | $832,750 | $541,287 | Non-Metro |
| Nolan County | $832,750 | $541,287 | Sweetwater, TX |
| Nueces County | $832,750 | $541,287 | Corpus Christi, TX |
| Ochiltree County | $832,750 | $541,287 | Non-Metro |
| Oldham County | $832,750 | $541,287 | Amarillo, TX |
| Orange County | $832,750 | $541,287 | Beaumont-Port Arthur, TX |
| Palo Pinto County | $832,750 | $541,287 | Mineral Wells, TX |
| Panola County | $832,750 | $541,287 | Non-Metro |
| Parker County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Parmer County | $832,750 | $541,287 | Non-Metro |
| Pecos County | $832,750 | $541,287 | Non-Metro |
| Polk County | $832,750 | $541,287 | Non-Metro |
| Potter County | $832,750 | $541,287 | Amarillo, TX |
| Presidio County | $832,750 | $541,287 | Non-Metro |
| Rains County | $832,750 | $541,287 | Non-Metro |
| Randall County | $832,750 | $541,287 | Amarillo, TX |
| Reagan County | $832,750 | $541,287 | Non-Metro |
| Real County | $832,750 | $541,287 | Non-Metro |
| Red River County | $832,750 | $541,287 | Paris, TX |
| Reeves County | $832,750 | $541,287 | Town Of Pecos, TX |
| Refugio County | $832,750 | $541,287 | Non-Metro |
| Roberts County | $832,750 | $541,287 | Pampa, TX |
| Robertson County | $832,750 | $541,287 | College Station-Bryan, TX |
| Rockwall County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Runnels County | $832,750 | $541,287 | Non-Metro |
| Rusk County | $832,750 | $541,287 | Longview, TX |
| Sabine County | $832,750 | $541,287 | Non-Metro |
| San Augustine County | $832,750 | $541,287 | Non-Metro |
| San Jacinto County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| San Patricio County | $832,750 | $541,287 | Corpus Christi, TX |
| San Saba County | $832,750 | $541,287 | Non-Metro |
| Schleicher County | $832,750 | $541,287 | Non-Metro |
| Scurry County | $832,750 | $541,287 | Snyder, TX |
| Shackelford County | $832,750 | $541,287 | Non-Metro |
| Shelby County | $832,750 | $541,287 | Non-Metro |
| Sherman County | $832,750 | $541,287 | Non-Metro |
| Smith County | $832,750 | $541,287 | Tyler, TX |
| Somervell County | $832,750 | $541,287 | Non-Metro |
| Starr County | $832,750 | $541,287 | Rio Grande City-Roma, TX |
| Stephens County | $832,750 | $541,287 | Non-Metro |
| Sterling County | $832,750 | $541,287 | Non-Metro |
| Stonewall County | $832,750 | $541,287 | Non-Metro |
| Sutton County | $832,750 | $541,287 | Non-Metro |
| Swisher County | $832,750 | $541,287 | Non-Metro |
| Tarrant County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Taylor County | $832,750 | $541,287 | Abilene, TX |
| Terrell County | $832,750 | $541,287 | Non-Metro |
| Terry County | $832,750 | $541,287 | Non-Metro |
| Throckmorton County | $832,750 | $541,287 | Non-Metro |
| Titus County | $832,750 | $541,287 | Mount Pleasant, TX |
| Tom Green County | $832,750 | $541,287 | San Angelo, TX |
| Travis County | $832,750 | $571,550 | Austin-Round Rock-San Marcos, TX |
| Trinity County | $832,750 | $541,287 | Non-Metro |
| Tyler County | $832,750 | $541,287 | Non-Metro |
| Upshur County | $832,750 | $541,287 | Longview, TX |
| Upton County | $832,750 | $541,287 | Non-Metro |
| Uvalde County | $832,750 | $541,287 | Uvalde, TX |
| Val Verde County | $832,750 | $541,287 | Del Rio, TX |
| Van Zandt County | $832,750 | $541,287 | Non-Metro |
| Victoria County | $832,750 | $541,287 | Victoria, TX |
| Walker County | $832,750 | $541,287 | Huntsville, TX |
| Waller County | $832,750 | $541,287 | Houston-Pasadena-The Woodlands, TX |
| Ward County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Brenham, TX |
| Webb County | $832,750 | $541,287 | Laredo, TX |
| Wharton County | $832,750 | $541,287 | El Campo, TX |
| Wheeler County | $832,750 | $541,287 | Non-Metro |
| Wichita County | $832,750 | $541,287 | Wichita Falls, TX |
| Wilbarger County | $832,750 | $541,287 | Vernon, TX |
| Willacy County | $832,750 | $541,287 | Raymondville, TX |
| Williamson County | $832,750 | $571,550 | Austin-Round Rock-San Marcos, TX |
| Wilson County | $832,750 | $557,750 | San Antonio-New Braunfels, TX |
| Winkler County | $832,750 | $541,287 | Non-Metro |
| Wise County | $832,750 | $563,500 | Dallas-Fort Worth-Arlington, TX |
| Wood County | $832,750 | $541,287 | Non-Metro |
| Yoakum County | $832,750 | $541,287 | Non-Metro |
| Young County | $832,750 | $541,287 | Non-Metro |
| Zapata County | $832,750 | $541,287 | Zapata, TX |
| Zavala County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Texas
Glasscock County ($813,050), Bastrop County ($571,550), Caldwell County ($571,550), Hays County ($571,550) and Travis County ($571,550). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Texas
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Texas fair market rentsHUD Fair Market Rents for every Texas county, studios to 4 bedrooms.
- Texas property tax ratesEffective property tax rate for every Texas county from survey data.
Buying in Texas? Check the title first
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HeritageDeed searches title in McLennan County, Randall County, Ector County, Taylor County, Wichita County, Kaufman County, Erath County, Upshur County, Rockwall County, Burnet County, Aransas County, Calhoun County, Colorado County, Wood County and Harris County: Texas title search coverage.
Questions about Texas loan limits
What are the FHA loan limits in Texas for 2026?
$541,287 to $813,050 for a one-unit home, depending on the county. 25 counties are above the national floor of $541,287, led by Glasscock County ($813,050), Bastrop County ($571,550) and Caldwell County ($571,550); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Texas for 2026?
$832,750 for a one-unit home in every Texas county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Texas?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Texas for 2026: 25 percent of that limit minus the entitlement already used.
Which Texas counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Glasscock County at $813,050. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/texas. Not lending advice.