We encourage users to use the free NMLS Consumer Access Link to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state.

THE FHA IN Texas

FHA loans have been helping Texas residents since 1934

An FHA Specialist can offer you a better loan including:

Low Down Payment Plans
Low Closing Cost
Easier Credit Qualifications
Lowest Federal Reserve based Interest Rate
24 Hour Pre-Approval Process

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 program.

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 FHA Mortgage Interest Rates continue to decline.

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 on your own.

Texas FHA Home Loan

How it works:

√ Determine the type of FHA Government Loan 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 base.

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

√ 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 2025

Texas Median Home Sale Price Price $349,000

County	One Unit	Two Unit	Three Unit	Four Unit
ANDERSON	$524,225	$671,200	$811,275	$1,008,300
ANDREWS	$524,225	$671,200	$811,275	$1,008,300
ANGELINA	$524,225	$671,200	$811,275	$1,008,300
ARANSAS	$524,225	$671,200	$811,275	$1,008,300
ARCHER	$524,225	$671,200	$811,275	$1,008,300
ARMSTRONG	$524,225	$671,200	$811,275	$1,008,300
ATASCOSA	$557,750	$714,000	$863,100	$1,072,600
AUSTIN	$524,225	$671,200	$811,275	$1,008,300
BAILEY	$524,225	$671,200	$811,275	$1,008,300
BANDERA	$557,750	$714,000	$863,100	$1,072,600
BASTROP	$571,550	$731,700	$884,450	$1,099,150
BAYLOR	$524,225	$671,200	$811,275	$1,008,300
BEE	$524,225	$671,200	$811,275	$1,008,300
BELL	$524,225	$671,200	$811,275	$1,008,300
BEXAR	$557,750	$714,000	$863,100	$1,072,600
BLANCO	$524,225	$671,200	$811,275	$1,008,300
BORDEN	$524,225	$671,200	$811,275	$1,008,300
BOSQUE	$524,225	$671,200	$811,275	$1,008,300
BOWIE	$524,225	$671,200	$811,275	$1,008,300
BRAZORIA	$524,225	$671,200	$811,275	$1,008,300
BRAZOS	$524,225	$671,200	$811,275	$1,008,300
BREWSTER	$524,225	$671,200	$811,275	$1,008,300
BRISCOE	$524,225	$671,200	$811,275	$1,008,300
BROOKS	$524,225	$671,200	$811,275	$1,008,300
BROWN	$524,225	$671,200	$811,275	$1,008,300
BURLESON	$524,225	$671,200	$811,275	$1,008,300
BURNET	$524,225	$671,200	$811,275	$1,008,300
CALDWELL	$571,550	$731,700	$884,450	$1,099,150
CALHOUN	$524,225	$671,200	$811,275	$1,008,300
CALLAHAN	$524,225	$671,200	$811,275	$1,008,300
CAMERON	$524,225	$671,200	$811,275	$1,008,300
CAMP	$524,225	$671,200	$811,275	$1,008,300
CARSON	$524,225	$671,200	$811,275	$1,008,300
CASS	$524,225	$671,200	$811,275	$1,008,300
CASTRO	$524,225	$671,200	$811,275	$1,008,300
CHAMBERS	$524,225	$671,200	$811,275	$1,008,300
CHEROKEE	$524,225	$671,200	$811,275	$1,008,300
CHILDRESS	$524,225	$671,200	$811,275	$1,008,300
CLAY	$524,225	$671,200	$811,275	$1,008,300
COCHRAN	$524,225	$671,200	$811,275	$1,008,300
COKE	$524,225	$671,200	$811,275	$1,008,300
COLEMAN	$524,225	$671,200	$811,275	$1,008,300
COLLIN	$563,500	$721,400	$872,000	$1,083,650
COLLINGSWORTH	$524,225	$671,200	$811,275	$1,008,300
COLORADO	$524,225	$671,200	$811,275	$1,008,300
COMAL	$557,750	$714,000	$863,100	$1,072,600
COMANCHE	$524,225	$671,200	$811,275	$1,008,300
CONCHO	$524,225	$671,200	$811,275	$1,008,300
COOKE	$524,225	$671,200	$811,275	$1,008,300
CORYELL	$524,225	$671,200	$811,275	$1,008,300
COTTLE	$524,225	$671,200	$811,275	$1,008,300
CRANE	$524,225	$671,200	$811,275	$1,008,300
CROCKETT	$524,225	$671,200	$811,275	$1,008,300
CROSBY	$524,225	$671,200	$811,275	$1,008,300
CULBERSON	$524,225	$671,200	$811,275	$1,008,300
DALLAM	$524,225	$671,200	$811,275	$1,008,300
DALLAS	$563,500	$721,400	$872,000	$1,083,650
DAWSON	$524,225	$671,200	$811,275	$1,008,300
DEAF SMITH	$524,225	$671,200	$811,275	$1,008,300
DELTA	$524,225	$671,200	$811,275	$1,008,300
DENTON	$563,500	$721,400	$872,000	$1,083,650
DEWITT	$524,225	$671,200	$811,275	$1,008,300
DICKENS	$524,225	$671,200	$811,275	$1,008,300
DIMMIT	$524,225	$671,200	$811,275	$1,008,300
DONLEY	$524,225	$671,200	$811,275	$1,008,300
DUVAL	$524,225	$671,200	$811,275	$1,008,300
EASTLAND	$524,225	$671,200	$811,275	$1,008,300
ECTOR	$524,225	$671,200	$811,275	$1,008,300
EDWARDS	$524,225	$671,200	$811,275	$1,008,300
EL PASO	$524,225	$671,200	$811,275	$1,008,300
ELLIS	$563,500	$721,400	$872,000	$1,083,650
ERATH	$524,225	$671,200	$811,275	$1,008,300
FALLS	$524,225	$671,200	$811,275	$1,008,300
FANNIN	$524,225	$671,200	$811,275	$1,008,300
FAYETTE	$524,225	$671,200	$811,275	$1,008,300
FISHER	$524,225	$671,200	$811,275	$1,008,300
FLOYD	$524,225	$671,200	$811,275	$1,008,300
FOARD	$524,225	$671,200	$811,275	$1,008,300
FORT BEND	$524,225	$671,200	$811,275	$1,008,300
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300
FREESTONE	$524,225	$671,200	$811,275	$1,008,300
FRIO	$524,225	$671,200	$811,275	$1,008,300
GAINES	$524,225	$671,200	$811,275	$1,008,300
GALVESTON	$524,225	$671,200	$811,275	$1,008,300
GARZA	$524,225	$671,200	$811,275	$1,008,300
GILLESPIE	$524,225	$671,200	$811,275	$1,008,300
GLASSCOCK	$524,225	$671,200	$811,275	$1,008,300
GOLIAD	$524,225	$671,200	$811,275	$1,008,300
GONZALES	$524,225	$671,200	$811,275	$1,008,300
GRAY	$524,225	$671,200	$811,275	$1,008,300
GRAYSON	$524,225	$671,200	$811,275	$1,008,300
GREGG	$524,225	$671,200	$811,275	$1,008,300
GRIMES	$524,225	$671,200	$811,275	$1,008,300
GUADALUPE	$557,750	$714,000	$863,100	$1,072,600
HALE	$524,225	$671,200	$811,275	$1,008,300
HALL	$524,225	$671,200	$811,275	$1,008,300
HAMILTON	$524,225	$671,200	$811,275	$1,008,300
HANSFORD	$524,225	$671,200	$811,275	$1,008,300
HARDEMAN	$524,225	$671,200	$811,275	$1,008,300
HARDIN	$524,225	$671,200	$811,275	$1,008,300
HARRIS	$524,225	$671,200	$811,275	$1,008,300
HARRISON	$524,225	$671,200	$811,275	$1,008,300
HARTLEY	$524,225	$671,200	$811,275	$1,008,300
HASKELL	$524,225	$671,200	$811,275	$1,008,300
HAYS	$571,550	$731,700	$884,450	$1,099,150
HEMPHILL	$524,225	$671,200	$811,275	$1,008,300
HENDERSON	$524,225	$671,200	$811,275	$1,008,300
HIDALGO	$524,225	$671,200	$811,275	$1,008,300
HILL	$524,225	$671,200	$811,275	$1,008,300
HOCKLEY	$524,225	$671,200	$811,275	$1,008,300
HOOD	$524,225	$671,200	$811,275	$1,008,300
HOPKINS	$524,225	$671,200	$811,275	$1,008,300
HOUSTON	$524,225	$671,200	$811,275	$1,008,300
HOWARD	$524,225	$671,200	$811,275	$1,008,300
HUDSPETH	$524,225	$671,200	$811,275	$1,008,300
HUNT	$563,500	$721,400	$872,000	$1,083,650
HUTCHINSON	$524,225	$671,200	$811,275	$1,008,300
IRION	$524,225	$671,200	$811,275	$1,008,300
JACK	$524,225	$671,200	$811,275	$1,008,300
JACKSON	$524,225	$671,200	$811,275	$1,008,300
JASPER	$524,225	$671,200	$811,275	$1,008,300
JEFF DAVIS	$524,225	$671,200	$811,275	$1,008,300
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300
JIM HOGG	$524,225	$671,200	$811,275	$1,008,300
JIM WELLS	$524,225	$671,200	$811,275	$1,008,300
JOHNSON	$563,500	$721,400	$872,000	$1,083,650
JONES	$524,225	$671,200	$811,275	$1,008,300
KARNES	$524,225	$671,200	$811,275	$1,008,300
KAUFMAN	$563,500	$721,400	$872,000	$1,083,650
KENDALL	$557,750	$714,000	$863,100	$1,072,600
KENEDY	$524,225	$671,200	$811,275	$1,008,300
KENT	$524,225	$671,200	$811,275	$1,008,300
KERR	$524,225	$671,200	$811,275	$1,008,300
KIMBLE	$524,225	$671,200	$811,275	$1,008,300
KING	$524,225	$671,200	$811,275	$1,008,300
KINNEY	$524,225	$671,200	$811,275	$1,008,300
KLEBERG	$524,225	$671,200	$811,275	$1,008,300
KNOX	$524,225	$671,200	$811,275	$1,008,300
LA SALLE	$524,225	$671,200	$811,275	$1,008,300
LAMAR	$524,225	$671,200	$811,275	$1,008,300
LAMB	$524,225	$671,200	$811,275	$1,008,300
LAMPASAS	$524,225	$671,200	$811,275	$1,008,300
LAVACA	$524,225	$671,200	$811,275	$1,008,300
LEE	$524,225	$671,200	$811,275	$1,008,300
LEON	$524,225	$671,200	$811,275	$1,008,300
LIBERTY	$524,225	$671,200	$811,275	$1,008,300
LIMESTONE	$524,225	$671,200	$811,275	$1,008,300
LIPSCOMB	$524,225	$671,200	$811,275	$1,008,300
LIVE OAK	$524,225	$671,200	$811,275	$1,008,300
LLANO	$524,225	$671,200	$811,275	$1,008,300
LOVING	$524,225	$671,200	$811,275	$1,008,300
LUBBOCK	$524,225	$671,200	$811,275	$1,008,300
LYNN	$524,225	$671,200	$811,275	$1,008,300
MADISON	$524,225	$671,200	$811,275	$1,008,300
MARION	$524,225	$671,200	$811,275	$1,008,300
MARTIN	$524,225	$671,200	$811,275	$1,008,300
MASON	$524,225	$671,200	$811,275	$1,008,300
MATAGORDA	$524,225	$671,200	$811,275	$1,008,300
MAVERICK	$524,225	$671,200	$811,275	$1,008,300
MCCULLOCH	$524,225	$671,200	$811,275	$1,008,300
MCLENNAN	$524,225	$671,200	$811,275	$1,008,300
MCMULLEN	$524,225	$671,200	$811,275	$1,008,300
MEDINA	$557,750	$714,000	$863,100	$1,072,600
MENARD	$524,225	$671,200	$811,275	$1,008,300
MIDLAND	$524,225	$671,200	$811,275	$1,008,300
MILAM	$524,225	$671,200	$811,275	$1,008,300
MILLS	$524,225	$671,200	$811,275	$1,008,300
MITCHELL	$524,225	$671,200	$811,275	$1,008,300
MONTAGUE	$524,225	$671,200	$811,275	$1,008,300
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300
MOORE	$524,225	$671,200	$811,275	$1,008,300
MORRIS	$524,225	$671,200	$811,275	$1,008,300
MOTLEY	$524,225	$671,200	$811,275	$1,008,300
NACOGDOCHES	$524,225	$671,200	$811,275	$1,008,300
NAVARRO	$524,225	$671,200	$811,275	$1,008,300
NEWTON	$524,225	$671,200	$811,275	$1,008,300
NOLAN	$524,225	$671,200	$811,275	$1,008,300
NUECES	$524,225	$671,200	$811,275	$1,008,300
OCHILTREE	$524,225	$671,200	$811,275	$1,008,300
OLDHAM	$524,225	$671,200	$811,275	$1,008,300
ORANGE	$524,225	$671,200	$811,275	$1,008,300
PALO PINTO	$524,225	$671,200	$811,275	$1,008,300
PANOLA	$524,225	$671,200	$811,275	$1,008,300
PARKER	$563,500	$721,400	$872,000	$1,083,650
PARMER	$524,225	$671,200	$811,275	$1,008,300
PECOS	$524,225	$671,200	$811,275	$1,008,300
POLK	$524,225	$671,200	$811,275	$1,008,300
POTTER	$524,225	$671,200	$811,275	$1,008,300
PRESIDIO	$524,225	$671,200	$811,275	$1,008,300
RAINS	$524,225	$671,200	$811,275	$1,008,300
RANDALL	$524,225	$671,200	$811,275	$1,008,300
REAGAN	$524,225	$671,200	$811,275	$1,008,300
REAL	$524,225	$671,200	$811,275	$1,008,300
RED RIVER	$524,225	$671,200	$811,275	$1,008,300
REEVES	$524,225	$671,200	$811,275	$1,008,300
REFUGIO	$524,225	$671,200	$811,275	$1,008,300
ROBERTS	$524,225	$671,200	$811,275	$1,008,300
ROBERTSON	$524,225	$671,200	$811,275	$1,008,300
ROCKWALL	$563,500	$721,400	$872,000	$1,083,650
RUNNELS	$524,225	$671,200	$811,275	$1,008,300
RUSK	$524,225	$671,200	$811,275	$1,008,300
SABINE	$524,225	$671,200	$811,275	$1,008,300
SAN AUGUSTINE	$524,225	$671,200	$811,275	$1,008,300
SAN JACINTO	$524,225	$671,200	$811,275	$1,008,300
SAN PATRICIO	$524,225	$671,200	$811,275	$1,008,300
SAN SABA	$524,225	$671,200	$811,275	$1,008,300
SCHLEICHER	$524,225	$671,200	$811,275	$1,008,300
SCURRY	$524,225	$671,200	$811,275	$1,008,300
SHACKELFORD	$524,225	$671,200	$811,275	$1,008,300
SHELBY	$524,225	$671,200	$811,275	$1,008,300
SHERMAN	$524,225	$671,200	$811,275	$1,008,300
SMITH	$524,225	$671,200	$811,275	$1,008,300
SOMERVELL	$524,225	$671,200	$811,275	$1,008,300
STARR	$524,225	$671,200	$811,275	$1,008,300
STEPHENS	$524,225	$671,200	$811,275	$1,008,300
STERLING	$524,225	$671,200	$811,275	$1,008,300
STONEWALL	$524,225	$671,200	$811,275	$1,008,300
SUTTON	$524,225	$671,200	$811,275	$1,008,300
SWISHER	$524,225	$671,200	$811,275	$1,008,300
TARRANT	$563,500	$721,400	$872,000	$1,083,650
TAYLOR	$524,225	$671,200	$811,275	$1,008,300
TERRELL	$524,225	$671,200	$811,275	$1,008,300
TERRY	$524,225	$671,200	$811,275	$1,008,300
THROCKMORTON	$524,225	$671,200	$811,275	$1,008,300
TITUS	$524,225	$671,200	$811,275	$1,008,300
TOM GREEN	$524,225	$671,200	$811,275	$1,008,300
TRAVIS	$571,550	$731,700	$884,450	$1,099,150
TRINITY	$524,225	$671,200	$811,275	$1,008,300
TYLER	$524,225	$671,200	$811,275	$1,008,300
UPSHUR	$524,225	$671,200	$811,275	$1,008,300
UPTON	$524,225	$671,200	$811,275	$1,008,300
UVALDE	$524,225	$671,200	$811,275	$1,008,300
VAL VERDE	$524,225	$671,200	$811,275	$1,008,300
VAN ZANDT	$524,225	$671,200	$811,275	$1,008,300
VICTORIA	$524,225	$671,200	$811,275	$1,008,300
WALKER	$524,225	$671,200	$811,275	$1,008,300
WALLER	$524,225	$671,200	$811,275	$1,008,300
WARD	$524,225	$671,200	$811,275	$1,008,300
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300
WEBB	$524,225	$671,200	$811,275	$1,008,300
WHARTON	$524,225	$671,200	$811,275	$1,008,300
WHEELER	$524,225	$671,200	$811,275	$1,008,300
WICHITA	$524,225	$671,200	$811,275	$1,008,300
WILBARGER	$524,225	$671,200	$811,275	$1,008,300
WILLACY	$524,225	$671,200	$811,275	$1,008,300
WILLIAMSON	$571,550	$731,700	$884,450	$1,099,150
WILSON	$557,750	$714,000	$863,100	$1,072,600
WINKLER	$524,225	$671,200	$811,275	$1,008,300
WISE	$563,500	$721,400	$872,000	$1,083,650
WOOD	$524,225	$671,200	$811,275	$1,008,300
YOAKUM	$524,225	$671,200	$811,275	$1,008,300
YOUNG	$524,225	$671,200	$811,275	$1,008,300
ZAPATA	$524,225	$671,200	$811,275	$1,008,300
ZAVALA	$524,225	$671,200	$811,275	$1,008,300

FHA Loan Information

The FHA (Federal Housing Administration) does not lend money. The FHA is part of HUD & backs individual FHA Approved Lenders.

Our mission is to help you find the best FHA Approved Lender who can help you secure financing.

When you fill in our short application we will provide your information to one, (and only one) FHA Approved Lender who can help you based upon many factors, including your State, the type of FHA Loan, and your Credit History.

FHA News 2025

The FHA Weekly mortgage demand surges 11% higher, as interest rates dropped for the sixth straight week. The FHA is part of HUD & backs individual FHA Approved Lenders.

HUD Announces Changes to FHA Multifamily Mortgage Insurance Programs Home Loan: FHA to increase individual loan proceeds available to create new or refinance existing affordable multifamily rental properties and create new or substantially rehabilitate properties that provide rental opportunities for middle-income individuals and families.

FHA Proposes Looser Boarder Income Requirements For Qualifying Borrowers:These proposed changes include reducing the acceptable rental income history from two years to 12 months and expanding the types of acceptable income verification documentation

Down payment assistance programs remain underutilized, despite high eligibility among borrowers:the Quarterly Report to Congress from the U.S. Department of Housing and Urban Development (HUD) on the Federal Housing Administrations Single-Family Mutual Mortgage Insurance Fund, only 58.46% of the loans the agency endorsed were originated without the borrower receiving help for a down payment,