THE FHA IN TEXAS

FHA loans have been helping Texas residents since 1934 

 

A licensed Texas FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


Texas First Time Home Buyer Loan

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

Buy a home in Texas with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Texas FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Texas FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Texas FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Texas FHA Lending Limits 2022

Texas FHA Lending Limits 2022

County Name Single Duplex 3 Unit 4 Unit
ANDERSON $275,665 $352,950 $426,625 $530,150
   PALESTINE, TX
ANDREWS $275,665 $352,950 $426,625 $530,150
   ANDREWS, TX
ANGELINA $275,665 $352,950 $426,625 $530,150
   LUFKIN, TX
ARANSAS $275,665 $352,950 $426,625 $530,150
   CORPUS CHRISTI, TX
ARCHER $275,665 $352,950 $426,625 $530,150
   WICHITA FALLS, TX
ARMSTRONG $275,665 $352,950 $426,625 $530,150
   AMARILLO, TX
ATASCOSA $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
AUSTIN $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
BAILEY $275,665 $352,950 $426,625 $530,150
BANDERA $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
BASTROP $361,100 $462,250 $558,750 $694,400
   AUSTIN-ROUND ROCK, TX
BAYLOR $275,665 $352,950 $426,625 $530,150
BEE $275,665 $352,950 $426,625 $530,150
   BEEVILLE, TX
BELL $275,665 $352,950 $426,625 $530,150
   KILLEEN-TEMPLE, TX
BEXAR $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
BLANCO $275,665 $352,950 $426,625 $530,150
BORDEN $275,665 $352,950 $426,625 $530,150
BOSQUE $275,665 $352,950 $426,625 $530,150
BOWIE $275,665 $352,950 $426,625 $530,150
   TEXARKANA, TX-AR
BRAZORIA $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
BRAZOS $275,665 $352,950 $426,625 $530,150
   COLLEGE STATION-BRYAN, TX
BREWSTER $275,665 $352,950 $426,625 $530,150
BRISCOE $275,665 $352,950 $426,625 $530,150
BROOKS $275,665 $352,950 $426,625 $530,150
BROWN $275,665 $352,950 $426,625 $530,150
   BROWNWOOD, TX
BURLESON $275,665 $352,950 $426,625 $530,150
   COLLEGE STATION-BRYAN, TX
BURNET $275,665 $352,950 $426,625 $530,150
CALDWELL $361,100 $462,250 $558,750 $694,400
   AUSTIN-ROUND ROCK, TX
CALHOUN $275,665 $352,950 $426,625 $530,150
   PORT LAVACA, TX
CALLAHAN $275,665 $352,950 $426,625 $530,150
   ABILENE, TX
CAMERON $275,665 $352,950 $426,625 $530,150
   BROWNSVILLE-HARLINGEN, TX
CAMP $275,665 $352,950 $426,625 $530,150
CARSON $275,665 $352,950 $426,625 $530,150
   AMARILLO, TX
CASS $275,665 $352,950 $426,625 $530,150
   NON-METRO
CASTRO $275,665 $352,950 $426,625 $530,150
CHAMBERS $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
CHEROKEE $275,665 $352,950 $426,625 $530,150
   JACKSONVILLE, TX
CHILDRESS $275,665 $352,950 $426,625 $530,150
CLAY $275,665 $352,950 $426,625 $530,150
   WICHITA FALLS, TX
COCHRAN $275,665 $352,950 $426,625 $530,150
COKE $275,665 $352,950 $426,625 $530,150
   NON-METRO
COLEMAN $275,665 $352,950 $426,625 $530,150
COLLIN $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
COLLINGSWORTH $275,665 $352,950 $426,625 $530,150
COLORADO $275,665 $352,950 $426,625 $530,150
COMAL $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
COMANCHE $275,665 $352,950 $426,625 $530,150
CONCHO $275,665 $352,950 $426,625 $530,150
COOKE $275,665 $352,950 $426,625 $530,150
   GAINESVILLE, TX
CORYELL $275,665 $352,950 $426,625 $530,150
   KILLEEN-TEMPLE, TX
COTTLE $275,665 $352,950 $426,625 $530,150
CRANE $275,665 $352,950 $426,625 $530,150
CROCKETT $275,665 $352,950 $426,625 $530,150
CROSBY $275,665 $352,950 $426,625 $530,150
   LUBBOCK, TX
CULBERSON $275,665 $352,950 $426,625 $530,150
DALLAM $275,665 $352,950 $426,625 $530,150
DALLAS $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
DAWSON $275,665 $352,950 $426,625 $530,150
   LAMESA, TX
DEAF SMITH $275,665 $352,950 $426,625 $530,150
   HEREFORD, TX
DELTA $275,665 $352,950 $426,625 $530,150
DENTON $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
DEWITT $275,665 $352,950 $426,625 $530,150
DICKENS $275,665 $352,950 $426,625 $530,150
DIMMIT $275,665 $352,950 $426,625 $530,150
DONLEY $275,665 $352,950 $426,625 $530,150
   NON-METRO
DUVAL $275,665 $352,950 $426,625 $530,150
EASTLAND $275,665 $352,950 $426,625 $530,150
ECTOR $275,665 $352,950 $426,625 $530,150
   ODESSA, TX
EDWARDS $275,665 $352,950 $426,625 $530,150
EL PASO $275,665 $352,950 $426,625 $530,150
   EL PASO, TX
ELLIS $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
ERATH $275,665 $352,950 $426,625 $530,150
   STEPHENVILLE, TX
FALLS $275,665 $352,950 $426,625 $530,150
   WACO, TX
FANNIN $275,665 $352,950 $426,625 $530,150
FAYETTE $275,665 $352,950 $426,625 $530,150
FISHER $275,665 $352,950 $426,625 $530,150
FLOYD $275,665 $352,950 $426,625 $530,150
FOARD $275,665 $352,950 $426,625 $530,150
FORT BEND $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
FRANKLIN $275,665 $352,950 $426,625 $530,150
FREESTONE $275,665 $352,950 $426,625 $530,150
   NON-METRO
FRIO $275,665 $352,950 $426,625 $530,150
GAINES $275,665 $352,950 $426,625 $530,150
GALVESTON $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
GARZA $275,665 $352,950 $426,625 $530,150
GILLESPIE $281,750 $360,700 $436,000 $541,800
   FREDERICKSBURG, TX
GLASSCOCK $275,665 $352,950 $426,625 $530,150
   BIG SPRING, TX
GOLIAD $275,665 $352,950 $426,625 $530,150
   VICTORIA, TX
GONZALES $275,665 $352,950 $426,625 $530,150
   NON-METRO
GRAY $275,665 $352,950 $426,625 $530,150
   PAMPA, TX
GRAYSON $275,665 $352,950 $426,625 $530,150
   SHERMAN-DENISON, TX
GREGG $275,665 $352,950 $426,625 $530,150
   LONGVIEW, TX
GRIMES $275,665 $352,950 $426,625 $530,150
GUADALUPE $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
HALE $275,665 $352,950 $426,625 $530,150
   PLAINVIEW, TX
HALL $275,665 $352,950 $426,625 $530,150
HAMILTON $275,665 $352,950 $426,625 $530,150
   NON-METRO
HANSFORD $275,665 $352,950 $426,625 $530,150
HARDEMAN $275,665 $352,950 $426,625 $530,150
HARDIN $275,665 $352,950 $426,625 $530,150
   BEAUMONT-PORT ARTHUR, TX
HARRIS $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
HARRISON $275,665 $352,950 $426,625 $530,150
   MARSHALL, TX
HARTLEY $275,665 $352,950 $426,625 $530,150
HASKELL $275,665 $352,950 $426,625 $530,150
   NON-METRO
HAYS $361,100 $462,250 $558,750 $694,400
   AUSTIN-ROUND ROCK, TX
HEMPHILL $275,665 $352,950 $426,625 $530,150
HENDERSON $275,665 $352,950 $426,625 $530,150
   ATHENS, TX
HIDALGO $275,665 $352,950 $426,625 $530,150
   MCALLEN-EDINBURG-MISSION, TX
HILL $275,665 $352,950 $426,625 $530,150
HOCKLEY $275,665 $352,950 $426,625 $530,150
   LEVELLAND, TX
HOOD $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
HOPKINS $275,665 $352,950 $426,625 $530,150
   SULPHUR SPRINGS, TX
HOUSTON $275,665 $352,950 $426,625 $530,150
HOWARD $275,665 $352,950 $426,625 $530,150
   BIG SPRING, TX
HUDSPETH $275,665 $352,950 $426,625 $530,150
   EL PASO, TX
HUNT $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
HUTCHINSON $275,665 $352,950 $426,625 $530,150
   BORGER, TX
IRION $275,665 $352,950 $426,625 $530,150
   SAN ANGELO, TX
JACK $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
   NON-METRO
JASPER $275,665 $352,950 $426,625 $530,150
JEFF DAVIS $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
   BEAUMONT-PORT ARTHUR, TX
JIM HOGG $275,665 $352,950 $426,625 $530,150
JIM WELLS $275,665 $352,950 $426,625 $530,150
   ALICE, TX
JOHNSON $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
JONES $275,665 $352,950 $426,625 $530,150
   ABILENE, TX
KARNES $275,665 $352,950 $426,625 $530,150
KAUFMAN $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
KENDALL $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
KENEDY $275,665 $352,950 $426,625 $530,150
   KINGSVILLE, TX
KENT $275,665 $352,950 $426,625 $530,150
KERR $275,665 $352,950 $426,625 $530,150
   KERRVILLE, TX
KIMBLE $275,665 $352,950 $426,625 $530,150
KING $275,665 $352,950 $426,625 $530,150
   NON-METRO
KINNEY $275,665 $352,950 $426,625 $530,150
KLEBERG $275,665 $352,950 $426,625 $530,150
   KINGSVILLE, TX
KNOX $275,665 $352,950 $426,625 $530,150
LA SALLE $275,665 $352,950 $426,625 $530,150
LAMAR $275,665 $352,950 $426,625 $530,150
   PARIS, TX
LAMB $275,665 $352,950 $426,625 $530,150
LAMPASAS $275,665 $352,950 $426,625 $530,150
   KILLEEN-TEMPLE, TX
LAVACA $275,665 $352,950 $426,625 $530,150
   NON-METRO
LEE $275,665 $352,950 $426,625 $530,150
LEON $275,665 $352,950 $426,625 $530,150
LIBERTY $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
LIMESTONE $275,665 $352,950 $426,625 $530,150
LIPSCOMB $275,665 $352,950 $426,625 $530,150
LIVE OAK $275,665 $352,950 $426,625 $530,150
LLANO $275,665 $352,950 $426,625 $530,150
   NON-METRO
LOVING $275,665 $352,950 $426,625 $530,150
LUBBOCK $275,665 $352,950 $426,625 $530,150
   LUBBOCK, TX
LYNN $275,665 $352,950 $426,625 $530,150
   LUBBOCK, TX
MADISON $275,665 $352,950 $426,625 $530,150
MARION $275,665 $352,950 $426,625 $530,150
MARTIN $285,200 $365,100 $441,300 $548,450
   MIDLAND, TX
MASON $275,665 $352,950 $426,625 $530,150
MATAGORDA $275,665 $352,950 $426,625 $530,150
   BAY CITY, TX
MAVERICK $275,665 $352,950 $426,625 $530,150
   EAGLE PASS, TX
MCCULLOCH $275,665 $352,950 $426,625 $530,150
MCLENNAN $275,665 $352,950 $426,625 $530,150
   WACO, TX
MCMULLEN $275,665 $352,950 $426,625 $530,150
MEDINA $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
MENARD $275,665 $352,950 $426,625 $530,150
MIDLAND $285,200 $365,100 $441,300 $548,450
   MIDLAND, TX
MILAM $275,665 $352,950 $426,625 $530,150
   NON-METRO
MILLS $275,665 $352,950 $426,625 $530,150
MITCHELL $275,665 $352,950 $426,625 $530,150
MONTAGUE $275,665 $352,950 $426,625 $530,150
MONTGOMERY $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
MOORE $275,665 $352,950 $426,625 $530,150
   DUMAS, TX
MORRIS $275,665 $352,950 $426,625 $530,150
MOTLEY $275,665 $352,950 $426,625 $530,150
NACOGDOCHES $275,665 $352,950 $426,625 $530,150
   NACOGDOCHES, TX
NAVARRO $275,665 $352,950 $426,625 $530,150
   CORSICANA, TX
NEWTON $275,665 $352,950 $426,625 $530,150
   BEAUMONT-PORT ARTHUR, TX
NOLAN $275,665 $352,950 $426,625 $530,150
   SWEETWATER, TX
NUECES $275,665 $352,950 $426,625 $530,150
   CORPUS CHRISTI, TX
OCHILTREE $275,665 $352,950 $426,625 $530,150
OLDHAM $275,665 $352,950 $426,625 $530,150
   AMARILLO, TX
ORANGE $275,665 $352,950 $426,625 $530,150
   BEAUMONT-PORT ARTHUR, TX
PALO PINTO $275,665 $352,950 $426,625 $530,150
   MINERAL WELLS, TX
PANOLA $275,665 $352,950 $426,625 $530,150
PARKER $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
PARMER $275,665 $352,950 $426,625 $530,150
PECOS $275,665 $352,950 $426,625 $530,150
POLK $275,665 $352,950 $426,625 $530,150
POTTER $275,665 $352,950 $426,625 $530,150
   AMARILLO, TX
PRESIDIO $275,665 $352,950 $426,625 $530,150
   NON-METRO
RAINS $275,665 $352,950 $426,625 $530,150
RANDALL $275,665 $352,950 $426,625 $530,150
   AMARILLO, TX
REAGAN $275,665 $352,950 $426,625 $530,150
REAL $275,665 $352,950 $426,625 $530,150
RED RIVER $275,665 $352,950 $426,625 $530,150
REEVES $275,665 $352,950 $426,625 $530,150
   PECOS, TX
REFUGIO $275,665 $352,950 $426,625 $530,150
ROBERTS $275,665 $352,950 $426,625 $530,150
   NON-METRO
ROBERTSON $275,665 $352,950 $426,625 $530,150
   COLLEGE STATION-BRYAN, TX
ROCKWALL $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
RUNNELS $275,665 $352,950 $426,625 $530,150
RUSK $275,665 $352,950 $426,625 $530,150
   LONGVIEW, TX
SABINE $275,665 $352,950 $426,625 $530,150
SAN AUGUSTINE $275,665 $352,950 $426,625 $530,150
SAN JACINTO $275,665 $352,950 $426,625 $530,150
   NON-METRO
SAN PATRICIO $275,665 $352,950 $426,625 $530,150
   CORPUS CHRISTI, TX
SAN SABA $275,665 $352,950 $426,625 $530,150
SCHLEICHER $275,665 $352,950 $426,625 $530,150
SCURRY $275,665 $352,950 $426,625 $530,150
   SNYDER, TX
SHACKELFORD $275,665 $352,950 $426,625 $530,150
SHELBY $275,665 $352,950 $426,625 $530,150
SHERMAN $275,665 $352,950 $426,625 $530,150
SMITH $275,665 $352,950 $426,625 $530,150
   TYLER, TX
SOMERVELL $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
STARR $275,665 $352,950 $426,625 $530,150
   RIO GRANDE CITY, TX
STEPHENS $275,665 $352,950 $426,625 $530,150
STERLING $275,665 $352,950 $426,625 $530,150
STONEWALL $275,665 $352,950 $426,625 $530,150
SUTTON $275,665 $352,950 $426,625 $530,150
SWISHER $275,665 $352,950 $426,625 $530,150
TARRANT $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
TAYLOR $275,665 $352,950 $426,625 $530,150
   ABILENE, TX
TERRELL $275,665 $352,950 $426,625 $530,150
TERRY $275,665 $352,950 $426,625 $530,150
THROCKMORTON $275,665 $352,950 $426,625 $530,150
TITUS $275,665 $352,950 $426,625 $530,150
   MOUNT PLEASANT, TX
TOM GREEN $275,665 $352,950 $426,625 $530,150
   SAN ANGELO, TX
TRAVIS $361,100 $462,250 $558,750 $694,400
   AUSTIN-ROUND ROCK, TX
TRINITY $275,665 $352,950 $426,625 $530,150
   HUNTSVILLE, TX
TYLER $275,665 $352,950 $426,625 $530,150
UPSHUR $275,665 $352,950 $426,625 $530,150
   LONGVIEW, TX
UPTON $275,665 $352,950 $426,625 $530,150
UVALDE $275,665 $352,950 $426,625 $530,150
   UVALDE, TX
VAL VERDE $275,665 $352,950 $426,625 $530,150
   DEL RIO, TX
VAN ZANDT $275,665 $352,950 $426,625 $530,150
VICTORIA $275,665 $352,950 $426,625 $530,150
   VICTORIA, TX
WALKER $275,665 $352,950 $426,625 $530,150
   HUNTSVILLE, TX
WALLER $331,200 $424,000 $512,500 $636,900
   HOUSTON-THE WOODLANDS-SUGAR LAND, TX
WARD $275,665 $352,950 $426,625 $530,150
WASHINGTON $275,665 $352,950 $426,625 $530,150
   BRENHAM, TX
WEBB $275,665 $352,950 $426,625 $530,150
   LAREDO, TX
WHARTON $275,665 $352,950 $426,625 $530,150
   EL CAMPO, TX
WHEELER $275,665 $352,950 $426,625 $530,150
WICHITA $275,665 $352,950 $426,625 $530,150
   WICHITA FALLS, TX
WILBARGER $275,665 $352,950 $426,625 $530,150
   VERNON, TX
WILLACY $275,665 $352,950 $426,625 $530,150
   RAYMONDVILLE, TX
WILLIAMSON $361,100 $462,250 $558,750 $694,400
   AUSTIN-ROUND ROCK, TX
WILSON $327,750 $419,550 $507,150 $630,300
   SAN ANTONIO-NEW BRAUNFELS, TX
WINKLER $275,665 $352,950 $426,625 $530,150
WISE $362,250 $463,750 $560,550 $696,650
   DALLAS-FORT WORTH-ARLINGTON, TX
WOOD $275,665 $352,950 $426,625 $530,150
YOAKUM $275,665 $352,950 $426,625 $530,150
   NON-METRO
YOUNG $275,665 $352,950 $426,625 $530,150
ZAPATA $275,665 $352,950 $426,625 $530,150
   ZAPATA MICROPOLITAN STATISTICAL AREA
ZAVALA $275,665 $352,950 $426,625 $530,150