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2025 FHA Loan Limits in Texas

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Although the Texas housing market has cooled, home prices are still relatively expensive. As of November 2024, the median home sales price was $343,700. For those borrowers unable to come up with 10% to 20% for a down payment, a Federal Housing Administration (FHA) mortgage can allow you to buy a home with as little as 3.5% down.

In the Lone Star State, limits do apply to how much you can borrow with an FHA loan. FHA loan limits in Texas range from $524,225 for a single-family home in most counties to $571,550 in more expensive areas.

Texas FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ANDERSON	$524,225	$671,200	$811,275	$1,008,300	$171,000
ANDREWS	$524,225	$671,200	$811,275	$1,008,300	$252,000
ANGELINA	$524,225	$671,200	$811,275	$1,008,300	$200,000
ARANSAS	$524,225	$671,200	$811,275	$1,008,300	$284,000
ARCHER	$524,225	$671,200	$811,275	$1,008,300	$231,000
ARMSTRONG	$524,225	$671,200	$811,275	$1,008,300	$250,000
ATASCOSA	$557,750	$714,000	$863,100	$1,072,600	$482,000
AUSTIN	$524,225	$671,200	$811,275	$1,008,300	$380,000
BAILEY	$524,225	$671,200	$811,275	$1,008,300	$158,000
BANDERA	$557,750	$714,000	$863,100	$1,072,600	$482,000
BASTROP	$571,550	$731,700	$884,450	$1,099,150	$474,000
BAYLOR	$524,225	$671,200	$811,275	$1,008,300	$77,000
BEE	$524,225	$671,200	$811,275	$1,008,300	$178,000
BELL	$524,225	$671,200	$811,275	$1,008,300	$290,000
BEXAR	$557,750	$714,000	$863,100	$1,072,600	$482,000
BLANCO	$524,225	$671,200	$811,275	$1,008,300	$349,000
BORDEN	$524,225	$671,200	$811,275	$1,008,300	$244,000
BOSQUE	$524,225	$671,200	$811,275	$1,008,300	$197,000
BOWIE	$524,225	$671,200	$811,275	$1,008,300	$175,000
BRAZORIA	$524,225	$671,200	$811,275	$1,008,300	$380,000
BRAZOS	$524,225	$671,200	$811,275	$1,008,300	$310,000
BREWSTER	$524,225	$671,200	$811,275	$1,008,300	$250,000
BRISCOE	$524,225	$671,200	$811,275	$1,008,300	$175,000
BROOKS	$524,225	$671,200	$811,275	$1,008,300	$35,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$191,000
BURLESON	$524,225	$671,200	$811,275	$1,008,300	$310,000
BURNET	$524,225	$671,200	$811,275	$1,008,300	$315,000
CALDWELL	$571,550	$731,700	$884,450	$1,099,150	$474,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$194,000
CALLAHAN	$524,225	$671,200	$811,275	$1,008,300	$230,000
CAMERON	$524,225	$671,200	$811,275	$1,008,300	$228,000
CAMP	$524,225	$671,200	$811,275	$1,008,300	$223,000
CARSON	$524,225	$671,200	$811,275	$1,008,300	$250,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$149,000
CASTRO	$524,225	$671,200	$811,275	$1,008,300	$145,000
CHAMBERS	$524,225	$671,200	$811,275	$1,008,300	$380,000
CHEROKEE	$524,225	$671,200	$811,275	$1,008,300	$169,000
CHILDRESS	$524,225	$671,200	$811,275	$1,008,300	$82,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$231,000
COCHRAN	$524,225	$671,200	$811,275	$1,008,300	$17,000
COKE	$524,225	$671,200	$811,275	$1,008,300	$107,000
COLEMAN	$524,225	$671,200	$811,275	$1,008,300	$99,000
COLLIN	$563,500	$721,400	$872,000	$1,083,650	$485,000
COLLINGSWORTH	$524,225	$671,200	$811,275	$1,008,300	$111,000
COLORADO	$524,225	$671,200	$811,275	$1,008,300	$209,000
COMAL	$557,750	$714,000	$863,100	$1,072,600	$482,000
COMANCHE	$524,225	$671,200	$811,275	$1,008,300	$199,000
CONCHO	$524,225	$671,200	$811,275	$1,008,300	$131,000
COOKE	$524,225	$671,200	$811,275	$1,008,300	$279,000
CORYELL	$524,225	$671,200	$811,275	$1,008,300	$290,000
COTTLE	$524,225	$671,200	$811,275	$1,008,300	$73,000
CRANE	$524,225	$671,200	$811,275	$1,008,300	$60,000
CROCKETT	$524,225	$671,200	$811,275	$1,008,300	$198,000
CROSBY	$524,225	$671,200	$811,275	$1,008,300	$229,000
CULBERSON	$524,225	$671,200	$811,275	$1,008,300	$133,000
DALLAM	$524,225	$671,200	$811,275	$1,008,300	$160,000
DALLAS	$563,500	$721,400	$872,000	$1,083,650	$485,000
DAWSON	$524,225	$671,200	$811,275	$1,008,300	$150,000
DEAF SMITH	$524,225	$671,200	$811,275	$1,008,300	$152,000
DELTA	$524,225	$671,200	$811,275	$1,008,300	$222,000
DENTON	$563,500	$721,400	$872,000	$1,083,650	$485,000
DEWITT	$524,225	$671,200	$811,275	$1,008,300	$173,000
DICKENS	$524,225	$671,200	$811,275	$1,008,300	$103,000
DIMMIT	$524,225	$671,200	$811,275	$1,008,300	$158,000
DONLEY	$524,225	$671,200	$811,275	$1,008,300	$107,000
DUVAL	$524,225	$671,200	$811,275	$1,008,300	$150,000
EASTLAND	$524,225	$671,200	$811,275	$1,008,300	$138,000
ECTOR	$524,225	$671,200	$811,275	$1,008,300	$262,000
EDWARDS	$524,225	$671,200	$811,275	$1,008,300	$100,000
EL PASO	$524,225	$671,200	$811,275	$1,008,300	$249,000
ELLIS	$563,500	$721,400	$872,000	$1,083,650	$485,000
ERATH	$524,225	$671,200	$811,275	$1,008,300	$262,000
FALLS	$524,225	$671,200	$811,275	$1,008,300	$269,000
FANNIN	$524,225	$671,200	$811,275	$1,008,300	$239,000
FAYETTE	$524,225	$671,200	$811,275	$1,008,300	$265,000
FISHER	$524,225	$671,200	$811,275	$1,008,300	$118,000
FLOYD	$524,225	$671,200	$811,275	$1,008,300	$128,000
FOARD	$524,225	$671,200	$811,275	$1,008,300	$19,000
FORT BEND	$524,225	$671,200	$811,275	$1,008,300	$380,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$230,000
FREESTONE	$524,225	$671,200	$811,275	$1,008,300	$184,000
FRIO	$524,225	$671,200	$811,275	$1,008,300	$159,000
GAINES	$524,225	$671,200	$811,275	$1,008,300	$140,000
GALVESTON	$524,225	$671,200	$811,275	$1,008,300	$380,000
GARZA	$524,225	$671,200	$811,275	$1,008,300	$148,000
GILLESPIE	$524,225	$671,200	$811,275	$1,008,300	$372,000
GLASSCOCK	$524,225	$671,200	$811,275	$1,008,300	$374,000
GOLIAD	$524,225	$671,200	$811,275	$1,008,300	$229,000
GONZALES	$524,225	$671,200	$811,275	$1,008,300	$162,000
GRAY	$524,225	$671,200	$811,275	$1,008,300	$231,000
GRAYSON	$524,225	$671,200	$811,275	$1,008,300	$294,000
GREGG	$524,225	$671,200	$811,275	$1,008,300	$226,000
GRIMES	$524,225	$671,200	$811,275	$1,008,300	$253,000
GUADALUPE	$557,750	$714,000	$863,100	$1,072,600	$482,000
HALE	$524,225	$671,200	$811,275	$1,008,300	$155,000
HALL	$524,225	$671,200	$811,275	$1,008,300	$67,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$170,000
HANSFORD	$524,225	$671,200	$811,275	$1,008,300	$157,000
HARDEMAN	$524,225	$671,200	$811,275	$1,008,300	$79,000
HARDIN	$524,225	$671,200	$811,275	$1,008,300	$224,000
HARRIS	$524,225	$671,200	$811,275	$1,008,300	$380,000
HARRISON	$524,225	$671,200	$811,275	$1,008,300	$226,000
HARTLEY	$524,225	$671,200	$811,275	$1,008,300	$222,000
HASKELL	$524,225	$671,200	$811,275	$1,008,300	$110,000
HAYS	$571,550	$731,700	$884,450	$1,099,150	$474,000
HEMPHILL	$524,225	$671,200	$811,275	$1,008,300	$164,000
HENDERSON	$524,225	$671,200	$811,275	$1,008,300	$218,000
HIDALGO	$524,225	$671,200	$811,275	$1,008,300	$207,000
HILL	$524,225	$671,200	$811,275	$1,008,300	$219,000
HOCKLEY	$524,225	$671,200	$811,275	$1,008,300	$173,000
HOOD	$524,225	$671,200	$811,275	$1,008,300	$283,000
HOPKINS	$524,225	$671,200	$811,275	$1,008,300	$239,000
HOUSTON	$524,225	$671,200	$811,275	$1,008,300	$169,000
HOWARD	$524,225	$671,200	$811,275	$1,008,300	$186,000
HUDSPETH	$524,225	$671,200	$811,275	$1,008,300	$249,000
HUNT	$563,500	$721,400	$872,000	$1,083,650	$485,000
HUTCHINSON	$524,225	$671,200	$811,275	$1,008,300	$144,000
IRION	$524,225	$671,200	$811,275	$1,008,300	$251,000
JACK	$524,225	$671,200	$811,275	$1,008,300	$211,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$168,000
JASPER	$524,225	$671,200	$811,275	$1,008,300	$140,000
JEFF DAVIS	$524,225	$671,200	$811,275	$1,008,300	$236,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$224,000
JIM HOGG	$524,225	$671,200	$811,275	$1,008,300	$73,000
JIM WELLS	$524,225	$671,200	$811,275	$1,008,300	$150,000
JOHNSON	$563,500	$721,400	$872,000	$1,083,650	$485,000
JONES	$524,225	$671,200	$811,275	$1,008,300	$230,000
KARNES	$524,225	$671,200	$811,275	$1,008,300	$197,000
KAUFMAN	$563,500	$721,400	$872,000	$1,083,650	$485,000
KENDALL	$557,750	$714,000	$863,100	$1,072,600	$482,000
KENEDY	$524,225	$671,200	$811,275	$1,008,300	$180,000
KENT	$524,225	$671,200	$811,275	$1,008,300	$163,000
KERR	$524,225	$671,200	$811,275	$1,008,300	$288,000
KIMBLE	$524,225	$671,200	$811,275	$1,008,300	$292,000
KING	$524,225	$671,200	$811,275	$1,008,300	$50,000
KINNEY	$524,225	$671,200	$811,275	$1,008,300	$173,000
KLEBERG	$524,225	$671,200	$811,275	$1,008,300	$180,000
KNOX	$524,225	$671,200	$811,275	$1,008,300	$78,000
LA SALLE	$524,225	$671,200	$811,275	$1,008,300	$108,000
LAMAR	$524,225	$671,200	$811,275	$1,008,300	$185,000
LAMB	$524,225	$671,200	$811,275	$1,008,300	$110,000
LAMPASAS	$524,225	$671,200	$811,275	$1,008,300	$290,000
LAVACA	$524,225	$671,200	$811,275	$1,008,300	$199,000
LEE	$524,225	$671,200	$811,275	$1,008,300	$250,000
LEON	$524,225	$671,200	$811,275	$1,008,300	$199,000
LIBERTY	$524,225	$671,200	$811,275	$1,008,300	$380,000
LIMESTONE	$524,225	$671,200	$811,275	$1,008,300	$169,000
LIPSCOMB	$524,225	$671,200	$811,275	$1,008,300	$93,000
LIVE OAK	$524,225	$671,200	$811,275	$1,008,300	$162,000
LLANO	$524,225	$671,200	$811,275	$1,008,300	$269,000
LOVING	$524,225	$671,200	$811,275	$1,008,300	$308,000
LUBBOCK	$524,225	$671,200	$811,275	$1,008,300	$229,000
LYNN	$524,225	$671,200	$811,275	$1,008,300	$229,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$228,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$145,000
MARTIN	$524,225	$671,200	$811,275	$1,008,300	$333,000
MASON	$524,225	$671,200	$811,275	$1,008,300	$220,000
MATAGORDA	$524,225	$671,200	$811,275	$1,008,300	$182,000
MAVERICK	$524,225	$671,200	$811,275	$1,008,300	$239,000
MCCULLOCH	$524,225	$671,200	$811,275	$1,008,300	$139,000
MCLENNAN	$524,225	$671,200	$811,275	$1,008,300	$269,000
MCMULLEN	$524,225	$671,200	$811,275	$1,008,300	$157,000
MEDINA	$557,750	$714,000	$863,100	$1,072,600	$482,000
MENARD	$524,225	$671,200	$811,275	$1,008,300	$133,000
MIDLAND	$524,225	$671,200	$811,275	$1,008,300	$333,000
MILAM	$524,225	$671,200	$811,275	$1,008,300	$195,000
MILLS	$524,225	$671,200	$811,275	$1,008,300	$266,000
MITCHELL	$524,225	$671,200	$811,275	$1,008,300	$97,000
MONTAGUE	$524,225	$671,200	$811,275	$1,008,300	$191,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$380,000
MOORE	$524,225	$671,200	$811,275	$1,008,300	$173,000
MORRIS	$524,225	$671,200	$811,275	$1,008,300	$140,000
MOTLEY	$524,225	$671,200	$811,275	$1,008,300	$111,000
NACOGDOCHES	$524,225	$671,200	$811,275	$1,008,300	$216,000
NAVARRO	$524,225	$671,200	$811,275	$1,008,300	$161,000
NEWTON	$524,225	$671,200	$811,275	$1,008,300	$130,000
NOLAN	$524,225	$671,200	$811,275	$1,008,300	$130,000
NUECES	$524,225	$671,200	$811,275	$1,008,300	$265,000
OCHILTREE	$524,225	$671,200	$811,275	$1,008,300	$167,000
OLDHAM	$524,225	$671,200	$811,275	$1,008,300	$250,000
ORANGE	$524,225	$671,200	$811,275	$1,008,300	$224,000
PALO PINTO	$524,225	$671,200	$811,275	$1,008,300	$227,000
PANOLA	$524,225	$671,200	$811,275	$1,008,300	$199,000
PARKER	$563,500	$721,400	$872,000	$1,083,650	$485,000
PARMER	$524,225	$671,200	$811,275	$1,008,300	$128,000
PECOS	$524,225	$671,200	$811,275	$1,008,300	$203,000
POLK	$524,225	$671,200	$811,275	$1,008,300	$150,000
POTTER	$524,225	$671,200	$811,275	$1,008,300	$250,000
PRESIDIO	$524,225	$671,200	$811,275	$1,008,300	$150,000
RAINS	$524,225	$671,200	$811,275	$1,008,300	$245,000
RANDALL	$524,225	$671,200	$811,275	$1,008,300	$250,000
REAGAN	$524,225	$671,200	$811,275	$1,008,300	$184,000
REAL	$524,225	$671,200	$811,275	$1,008,300	$179,000
RED RIVER	$524,225	$671,200	$811,275	$1,008,300	$100,000
REEVES	$524,225	$671,200	$811,275	$1,008,300	$308,000
REFUGIO	$524,225	$671,200	$811,275	$1,008,300	$180,000
ROBERTS	$524,225	$671,200	$811,275	$1,008,300	$231,000
ROBERTSON	$524,225	$671,200	$811,275	$1,008,300	$310,000
ROCKWALL	$563,500	$721,400	$872,000	$1,083,650	$485,000
RUNNELS	$524,225	$671,200	$811,275	$1,008,300	$125,000
RUSK	$524,225	$671,200	$811,275	$1,008,300	$226,000
SABINE	$524,225	$671,200	$811,275	$1,008,300	$173,000
SAN AUGUSTINE	$524,225	$671,200	$811,275	$1,008,300	$110,000
SAN JACINTO	$524,225	$671,200	$811,275	$1,008,300	$174,000
SAN PATRICIO	$524,225	$671,200	$811,275	$1,008,300	$265,000
SAN SABA	$524,225	$671,200	$811,275	$1,008,300	$100,000
SCHLEICHER	$524,225	$671,200	$811,275	$1,008,300	$93,000
SCURRY	$524,225	$671,200	$811,275	$1,008,300	$144,000
SHACKELFORD	$524,225	$671,200	$811,275	$1,008,300	$251,000
SHELBY	$524,225	$671,200	$811,275	$1,008,300	$129,000
SHERMAN	$524,225	$671,200	$811,275	$1,008,300	$151,000
SMITH	$524,225	$671,200	$811,275	$1,008,300	$280,000
SOMERVELL	$524,225	$671,200	$811,275	$1,008,300	$258,000
STARR	$524,225	$671,200	$811,275	$1,008,300	$167,000
STEPHENS	$524,225	$671,200	$811,275	$1,008,300	$171,000
STERLING	$524,225	$671,200	$811,275	$1,008,300	$251,000
STONEWALL	$524,225	$671,200	$811,275	$1,008,300	$64,000
SUTTON	$524,225	$671,200	$811,275	$1,008,300	$112,000
SWISHER	$524,225	$671,200	$811,275	$1,008,300	$115,000
TARRANT	$563,500	$721,400	$872,000	$1,083,650	$485,000
TAYLOR	$524,225	$671,200	$811,275	$1,008,300	$230,000
TERRELL	$524,225	$671,200	$811,275	$1,008,300	$99,000
TERRY	$524,225	$671,200	$811,275	$1,008,300	$149,000
THROCKMORTON	$524,225	$671,200	$811,275	$1,008,300	$135,000
TITUS	$524,225	$671,200	$811,275	$1,008,300	$223,000
TOM GREEN	$524,225	$671,200	$811,275	$1,008,300	$251,000
TRAVIS	$571,550	$731,700	$884,450	$1,099,150	$474,000
TRINITY	$524,225	$671,200	$811,275	$1,008,300	$147,000
TYLER	$524,225	$671,200	$811,275	$1,008,300	$170,000
UPSHUR	$524,225	$671,200	$811,275	$1,008,300	$226,000
UPTON	$524,225	$671,200	$811,275	$1,008,300	$97,000
UVALDE	$524,225	$671,200	$811,275	$1,008,300	$192,000
VAL VERDE	$524,225	$671,200	$811,275	$1,008,300	$221,000
VAN ZANDT	$524,225	$671,200	$811,275	$1,008,300	$225,000
VICTORIA	$524,225	$671,200	$811,275	$1,008,300	$229,000
WALKER	$524,225	$671,200	$811,275	$1,008,300	$234,000
WALLER	$524,225	$671,200	$811,275	$1,008,300	$380,000
WARD	$524,225	$671,200	$811,275	$1,008,300	$241,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$283,000
WEBB	$524,225	$671,200	$811,275	$1,008,300	$243,000
WHARTON	$524,225	$671,200	$811,275	$1,008,300	$204,000
WHEELER	$524,225	$671,200	$811,275	$1,008,300	$148,000
WICHITA	$524,225	$671,200	$811,275	$1,008,300	$231,000
WILBARGER	$524,225	$671,200	$811,275	$1,008,300	$118,000
WILLACY	$524,225	$671,200	$811,275	$1,008,300	$74,000
WILLIAMSON	$571,550	$731,700	$884,450	$1,099,150	$474,000
WILSON	$557,750	$714,000	$863,100	$1,072,600	$482,000
WINKLER	$524,225	$671,200	$811,275	$1,008,300	$170,000
WISE	$563,500	$721,400	$872,000	$1,083,650	$485,000
WOOD	$524,225	$671,200	$811,275	$1,008,300	$217,000
YOAKUM	$524,225	$671,200	$811,275	$1,008,300	$200,000
YOUNG	$524,225	$671,200	$811,275	$1,008,300	$190,000
ZAPATA	$524,225	$671,200	$811,275	$1,008,300	$92,000
ZAVALA	$524,225	$671,200	$811,275	$1,008,300	$88,000

How are FHA loan limits determined?

Each year, the Federal Housing Finance Agency (FHFA) evaluates the housing market and releases the new conforming loan limits: the highest amount you can borrow with a conventional mortgage. FHFA announces the new limits in November each year, and the limits go into effect as of January 1. The FHFA determines loan limits based on national housing prices and geographic data.

FHA loans have different limits than confirming or conventional mortgages, but the FHFA’s changes can affect FHA mortgages, too. Using the FHFA’s limits and metropolitan statistical area (MSA) data, the FHA sets mortgage floors and ceilings.

The “floor” is the maximum loan amount for properties in counties with a lower cost. The floor is 65% of the conforming loan limit. Nationally, the floor is $524,225 for a single-family home.

In high-cost counties, the FHA “ceiling” may apply. The FHA ceiling is 150% of the national conforming loan limit. The national FHA ceiling is $1,209,750. But, in Texas, the highest possible FHA loan for a single-family home is $571,500.

Finally, Alaska, Hawaii, Guam and the U.S. Virgin Islands are designated as special exception areas with higher limits of $1,814,624 for a single-family home in 2025.

How to qualify for an FHA loan in Texas

In Texas, the average home price was about $300,000 as of December 2024. That price is well within the limit of an FHA loan, so here’s what you need to know about qualifying for an FHA mortgage:

Credit score: While conventional mortgages usually require good to excellent credit, FHA loans are less stringent. You can qualify for a mortgage with a credit score as low as 500. However, you’ll need a score of 580 or better to get an FHA loan with the lowest down payment requirement.
Debt-to-income (DTI) ratio: To make sure you can afford your housing payments, lenders will look at your DTI ratio, or how much of your income goes toward your monthly debt payments. With FHA loans, the maximum back-end DTI, inclusive of all of your debt, is 43%.
Down payment: FHA mortgages allow you to buy a home with as little as 3.5% down. On a $300,000 property, that means you’d need just $10,500 to buy a home if you have decent credit. If your score is below 580, you’ll need a 10% down payment.
Property standards: FHA mortgages can only be used to purchase a primary residence that you must live in for at least one year, and the property has to meet standards put into place by the U.S. Department of Housing and Urban Development (HUD). Homes must pass an FHA appraisal and inspection, and, if issues are identified, the seller must fix them before closing.

Buying a multifamily property with an FHA loan

Although FHA loans are only for primary residences, you can use one to buy a multifamily home. In fact, using an FHA loan to buy a multifamily property is a smart way to house hack and pay off your mortgage.

To qualify for an FHA loan for a multifamily property, you must meet the other eligibility criteria, including a credit score of 500 or better, DTI of 43% or lower and a down payment of at least 3.5% (10% if your credit score is below 580).

The FHA loan limits for multifamily properties in Texas in 2025 are: