FHA Loan Requirements, Limits and Approval Tips
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2022 FHA Loan Limits in Texas

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, commissioned or otherwise endorsed by any of our network partners.

Mortgage loans backed by the Federal Housing Administration (FHA) can be a smart option for those with lower incomes or credit scores (or first-time homebuyers). The loans are generally easier to qualify for than conventional mortgages. However, the FHA does put restrictions on loan amounts.

If you qualify, you can use an FHA loan in Texas to buy a house that costs up to $420,680 throughout most of the state. The limits are higher in the Dallas-Fort Worth and San Antonio metro areas, and highest of all — $483,000 — in the Austin area.

Texas FHA loan limits by county

County nameOne unitTwo unitsThree unitsFour unitsMedian sales price
ANDERSON$420,680$538,650$651,050$809,150$134,000
ANDREWS$420,680$538,650$651,050$809,150$181,000
ANGELINA$420,680$538,650$651,050$809,150$176,000
ARANSAS$420,680$538,650$651,050$809,150$250,000
ARCHER$420,680$538,650$651,050$809,150$187,000
ARMSTRONG$420,680$538,650$651,050$809,150$225,000
ATASCOSA$449,650$575,600$695,800$864,700$391,000
AUSTIN$420,680$538,650$651,050$809,150$325,000
BAILEY$420,680$538,650$651,050$809,150$112,000
BANDERA$449,650$575,600$695,800$864,700$391,000
BASTROP$483,000$618,300$747,400$928,850$420,000
BAYLOR$420,680$538,650$651,050$809,150$111,000
BEE$420,680$538,650$651,050$809,150$137,000
BELL$420,680$538,650$651,050$809,150$220,000
BEXAR$449,650$575,600$695,800$864,700$391,000
BLANCO$420,680$538,650$651,050$809,150$229,000
BORDEN$420,680$538,650$651,050$809,150$246,000
BOSQUE$420,680$538,650$651,050$809,150$158,000
BOWIE$420,680$538,650$651,050$809,150$167,000
BRAZORIA$420,680$538,650$651,050$809,150$325,000
BRAZOS$420,680$538,650$651,050$809,150$257,000
BREWSTER$420,680$538,650$651,050$809,150$242,000
BRISCOE$420,680$538,650$651,050$809,150$95,000
BROOKS$420,680$538,650$651,050$809,150$94,000
BROWN$420,680$538,650$651,050$809,150$155,000
BURLESON$420,680$538,650$651,050$809,150$257,000
BURNET$420,680$538,650$651,050$809,150$232,000
CALDWELL$483,000$618,300$747,400$928,850$420,000
CALHOUN$420,680$538,650$651,050$809,150$150,000
CALLAHAN$420,680$538,650$651,050$809,150$208,000
CAMERON$420,680$538,650$651,050$809,150$164,000
CAMP$420,680$538,650$651,050$809,150$184,000
CARSON$420,680$538,650$651,050$809,150$225,000
CASS$420,680$538,650$651,050$809,150$133,000
CASTRO$420,680$538,650$651,050$809,150$139,000
CHAMBERS$420,680$538,650$651,050$809,150$325,000
CHEROKEE$420,680$538,650$651,050$809,150$164,000
CHILDRESS$420,680$538,650$651,050$809,150$102,000
CLAY$420,680$538,650$651,050$809,150$187,000
COCHRAN$420,680$538,650$651,050$809,150$53,000
COKE$420,680$538,650$651,050$809,150$104,000
COLEMAN$420,680$538,650$651,050$809,150$98,000
COLLIN$450,800$577,100$697,600$866,950$392,000
COLLINGSWORTH$420,680$538,650$651,050$809,150$134,000
COLORADO$420,680$538,650$651,050$809,150$210,000
COMAL$449,650$575,600$695,800$864,700$391,000
COMANCHE$420,680$538,650$651,050$809,150$147,000
CONCHO$420,680$538,650$651,050$809,150$128,000
COOKE$420,680$538,650$651,050$809,150$224,000
CORYELL$420,680$538,650$651,050$809,150$220,000
COTTLE$420,680$538,650$651,050$809,150$75,000
CRANE$420,680$538,650$651,050$809,150$80,000
CROCKETT$420,680$538,650$651,050$809,150$178,000
CROSBY$420,680$538,650$651,050$809,150$209,000
CULBERSON$420,680$538,650$651,050$809,150$161,000
DALLAM$420,680$538,650$651,050$809,150$113,000
DALLAS$450,800$577,100$697,600$866,950$392,000
DAWSON$420,680$538,650$651,050$809,150$124,000
DEAF SMITH$420,680$538,650$651,050$809,150$115,000
DELTA$420,680$538,650$651,050$809,150$111,000
DENTON$450,800$577,100$697,600$866,950$392,000
DEWITT$420,680$538,650$651,050$809,150$143,000
DICKENS$420,680$538,650$651,050$809,150$65,000
DIMMIT$420,680$538,650$651,050$809,150$135,000
DONLEY$420,680$538,650$651,050$809,150$107,000
DUVAL$420,680$538,650$651,050$809,150$141,000
EASTLAND$420,680$538,650$651,050$809,150$102,000
ECTOR$420,680$538,650$651,050$809,150$226,000
EDWARDS$420,680$538,650$651,050$809,150$155,000
EL PASO$420,680$538,650$651,050$809,150$193,000
ELLIS$450,800$577,100$697,600$866,950$392,000
ERATH$420,680$538,650$651,050$809,150$182,000
FALLS$420,680$538,650$651,050$809,150$227,000
FANNIN$420,680$538,650$651,050$809,150$184,000
FAYETTE$420,680$538,650$651,050$809,150$222,000
FISHER$420,680$538,650$651,050$809,150$56,000
FLOYD$420,680$538,650$651,050$809,150$81,000
FOARD$420,680$538,650$651,050$809,150$79,000
FORT BEND$420,680$538,650$651,050$809,150$325,000
FRANKLIN$420,680$538,650$651,050$809,150$197,000
FREESTONE$420,680$538,650$651,050$809,150$144,000
FRIO$420,680$538,650$651,050$809,150$123,000
GAINES$420,680$538,650$651,050$809,150$76,000
GALVESTON$420,680$538,650$651,050$809,150$325,000
GARZA$420,680$538,650$651,050$809,150$101,000
GILLESPIE$420,680$538,650$651,050$809,150$349,000
GLASSCOCK$420,680$538,650$651,050$809,150$250,000
GOLIAD$420,680$538,650$651,050$809,150$217,000
GONZALES$420,680$538,650$651,050$809,150$181,000
GRAY$420,680$538,650$651,050$809,150$110,000
GRAYSON$420,680$538,650$651,050$809,150$221,000
GREGG$420,680$538,650$651,050$809,150$195,000
GRIMES$420,680$538,650$651,050$809,150$181,000
GUADALUPE$449,650$575,600$695,800$864,700$391,000
HALE$420,680$538,650$651,050$809,150$138,000
HALL$420,680$538,650$651,050$809,150$64,000
HAMILTON$420,680$538,650$651,050$809,150$129,000
HANSFORD$420,680$538,650$651,050$809,150$120,000
HARDEMAN$420,680$538,650$651,050$809,150$72,000
HARDIN$420,680$538,650$651,050$809,150$215,000
HARRIS$420,680$538,650$651,050$809,150$325,000
HARRISON$420,680$538,650$651,050$809,150$195,000
HARTLEY$420,680$538,650$651,050$809,150$217,000
HASKELL$420,680$538,650$651,050$809,150$65,000
HAYS$483,000$618,300$747,400$928,850$420,000
HEMPHILL$420,680$538,650$651,050$809,150$161,000
HENDERSON$420,680$538,650$651,050$809,150$187,000
HIDALGO$420,680$538,650$651,050$809,150$176,000
HILL$420,680$538,650$651,050$809,150$170,000
HOCKLEY$420,680$538,650$651,050$809,150$158,000
HOOD$420,680$538,650$651,050$809,150$253,000
HOPKINS$420,680$538,650$651,050$809,150$184,000
HOUSTON$420,680$538,650$651,050$809,150$139,000
HOWARD$420,680$538,650$651,050$809,150$161,000
HUDSPETH$420,680$538,650$651,050$809,150$193,000
HUNT$450,800$577,100$697,600$866,950$392,000
HUTCHINSON$420,680$538,650$651,050$809,150$103,000
IRION$420,680$538,650$651,050$809,150$208,000
JACK$420,680$538,650$651,050$809,150$169,000
JACKSON$420,680$538,650$651,050$809,150$128,000
JASPER$420,680$538,650$651,050$809,150$141,000
JEFF DAVIS$420,680$538,650$651,050$809,150$335,000
JEFFERSON$420,680$538,650$651,050$809,150$215,000
JIM HOGG$420,680$538,650$651,050$809,150$149,000
JIM WELLS$420,680$538,650$651,050$809,150$141,000
JOHNSON$450,800$577,100$697,600$866,950$392,000
JONES$420,680$538,650$651,050$809,150$208,000
KARNES$420,680$538,650$651,050$809,150$129,000
KAUFMAN$450,800$577,100$697,600$866,950$392,000
KENDALL$449,650$575,600$695,800$864,700$391,000
KENEDY$420,680$538,650$651,050$809,150$162,000
KENT$420,680$538,650$651,050$809,150$70,000
KERR$420,680$538,650$651,050$809,150$267,000
KIMBLE$420,680$538,650$651,050$809,150$240,000
KING$420,680$538,650$651,050$809,150$38,000
KINNEY$420,680$538,650$651,050$809,150$111,000
KLEBERG$420,680$538,650$651,050$809,150$162,000
KNOX$420,680$538,650$651,050$809,150$57,000
LA SALLE$420,680$538,650$651,050$809,150$188,000
LAMAR$420,680$538,650$651,050$809,150$160,000
LAMB$420,680$538,650$651,050$809,150$110,000
LAMPASAS$420,680$538,650$651,050$809,150$220,000
LAVACA$420,680$538,650$651,050$809,150$190,000
LEE$420,680$538,650$651,050$809,150$200,000
LEON$420,680$538,650$651,050$809,150$170,000
LIBERTY$420,680$538,650$651,050$809,150$325,000
LIMESTONE$420,680$538,650$651,050$809,150$112,000
LIPSCOMB$420,680$538,650$651,050$809,150$95,000
LIVE OAK$420,680$538,650$651,050$809,150$114,000
LLANO$420,680$538,650$651,050$809,150$247,000
LOVING$420,680$538,650$651,050$809,150$82,000
LUBBOCK$420,680$538,650$651,050$809,150$209,000
LYNN$420,680$538,650$651,050$809,150$209,000
MADISON$420,680$538,650$651,050$809,150$176,000
MARION$420,680$538,650$651,050$809,150$129,000
MARTIN$420,680$538,650$651,050$809,150$300,000
MASON$420,680$538,650$651,050$809,150$175,000
MATAGORDA$420,680$538,650$651,050$809,150$154,000
MAVERICK$420,680$538,650$651,050$809,150$172,000
MCCULLOCH$420,680$538,650$651,050$809,150$118,000
MCLENNAN$420,680$538,650$651,050$809,150$227,000
MCMULLEN$420,680$538,650$651,050$809,150$178,000
MEDINA$449,650$575,600$695,800$864,700$391,000
MENARD$420,680$538,650$651,050$809,150$95,000
MIDLAND$420,680$538,650$651,050$809,150$300,000
MILAM$420,680$538,650$651,050$809,150$168,000
MILLS$420,680$538,650$651,050$809,150$177,000
MITCHELL$420,680$538,650$651,050$809,150$84,000
MONTAGUE$420,680$538,650$651,050$809,150$147,000
MONTGOMERY$420,680$538,650$651,050$809,150$325,000
MOORE$420,680$538,650$651,050$809,150$153,000
MORRIS$420,680$538,650$651,050$809,150$117,000
MOTLEY$420,680$538,650$651,050$809,150$71,000
NACOGDOCHES$420,680$538,650$651,050$809,150$191,000
NAVARRO$420,680$538,650$651,050$809,150$141,000
NEWTON$420,680$538,650$651,050$809,150$119,000
NOLAN$420,680$538,650$651,050$809,150$135,000
NUECES$420,680$538,650$651,050$809,150$243,000
OCHILTREE$420,680$538,650$651,050$809,150$129,000
OLDHAM$420,680$538,650$651,050$809,150$225,000
ORANGE$420,680$538,650$651,050$809,150$215,000
PALO PINTO$420,680$538,650$651,050$809,150$200,000
PANOLA$420,680$538,650$651,050$809,150$172,000
PARKER$450,800$577,100$697,600$866,950$392,000
PARMER$420,680$538,650$651,050$809,150$118,000
PECOS$420,680$538,650$651,050$809,150$110,000
POLK$420,680$538,650$651,050$809,150$150,000
POTTER$420,680$538,650$651,050$809,150$225,000
PRESIDIO$420,680$538,650$651,050$809,150$272,000
RAINS$420,680$538,650$651,050$809,150$161,000
RANDALL$420,680$538,650$651,050$809,150$225,000
REAGAN$420,680$538,650$651,050$809,150$158,000
REAL$420,680$538,650$651,050$809,150$183,000
RED RIVER$420,680$538,650$651,050$809,150$87,000
REEVES$420,680$538,650$651,050$809,150$82,000
REFUGIO$420,680$538,650$651,050$809,150$153,000
ROBERTS$420,680$538,650$651,050$809,150$110,000
ROBERTSON$420,680$538,650$651,050$809,150$257,000
ROCKWALL$450,800$577,100$697,600$866,950$392,000
RUNNELS$420,680$538,650$651,050$809,150$116,000
RUSK$420,680$538,650$651,050$809,150$195,000
SABINE$420,680$538,650$651,050$809,150$139,000
SAN AUGUSTINE$420,680$538,650$651,050$809,150$132,000
SAN JACINTO$420,680$538,650$651,050$809,150$155,000
SAN PATRICIO$420,680$538,650$651,050$809,150$243,000
SAN SABA$420,680$538,650$651,050$809,150$140,000
SCHLEICHER$420,680$538,650$651,050$809,150$77,000
SCURRY$420,680$538,650$651,050$809,150$139,000
SHACKELFORD$420,680$538,650$651,050$809,150$115,000
SHELBY$420,680$538,650$651,050$809,150$113,000
SHERMAN$420,680$538,650$651,050$809,150$126,000
SMITH$420,680$538,650$651,050$809,150$232,000
SOMERVELL$420,680$538,650$651,050$809,150$268,000
STARR$420,680$538,650$651,050$809,150$89,000
STEPHENS$420,680$538,650$651,050$809,150$138,000
STERLING$420,680$538,650$651,050$809,150$208,000
STONEWALL$420,680$538,650$651,050$809,150$133,000
SUTTON$420,680$538,650$651,050$809,150$119,000
SWISHER$420,680$538,650$651,050$809,150$102,000
TARRANT$450,800$577,100$697,600$866,950$392,000
TAYLOR$420,680$538,650$651,050$809,150$208,000
TERRELL$420,680$538,650$651,050$809,150$75,000
TERRY$420,680$538,650$651,050$809,150$97,000
THROCKMORTON$420,680$538,650$651,050$809,150$117,000
TITUS$420,680$538,650$651,050$809,150$184,000
TOM GREEN$420,680$538,650$651,050$809,150$208,000
TRAVIS$483,000$618,300$747,400$928,850$420,000
TRINITY$420,680$538,650$651,050$809,150$106,000
TYLER$420,680$538,650$651,050$809,150$142,000
UPSHUR$420,680$538,650$651,050$809,150$195,000
UPTON$420,680$538,650$651,050$809,150$104,000
UVALDE$420,680$538,650$651,050$809,150$172,000
VAL VERDE$420,680$538,650$651,050$809,150$173,000
VAN ZANDT$420,680$538,650$651,050$809,150$185,000
VICTORIA$420,680$538,650$651,050$809,150$217,000
WALKER$420,680$538,650$651,050$809,150$188,000
WALLER$420,680$538,650$651,050$809,150$325,000
WARD$420,680$538,650$651,050$809,150$195,000
WASHINGTON$420,680$538,650$651,050$809,150$256,000
WEBB$420,680$538,650$651,050$809,150$207,000
WHARTON$420,680$538,650$651,050$809,150$193,000
WHEELER$420,680$538,650$651,050$809,150$106,000
WICHITA$420,680$538,650$651,050$809,150$187,000
WILBARGER$420,680$538,650$651,050$809,150$90,000
WILLACY$420,680$538,650$651,050$809,150$54,000
WILLIAMSON$483,000$618,300$747,400$928,850$420,000
WILSON$449,650$575,600$695,800$864,700$391,000
WINKLER$420,680$538,650$651,050$809,150$134,000
WISE$450,800$577,100$697,600$866,950$392,000
WOOD$420,680$538,650$651,050$809,150$182,000
YOAKUM$420,680$538,650$651,050$809,150$190,000
YOUNG$420,680$538,650$651,050$809,150$149,000
ZAPATA$420,680$538,650$651,050$809,150$58,000
ZAVALA$420,680$538,650$651,050$809,150$54,000

How are FHA loan limits determined?

FHA loan limits are determined largely by median house prices in every county in the U.S. The Federal Housing Finance Agency (FHFA) uses the previous year’s sale price data to set the conforming loan limits used for conventional loans. Then, the U.S. Department of Housing and Urban Development (HUD) takes these limits to set both a “floor” and “ceiling” for FHA loans.

The floor is the maximum loan amount the FHA is willing to insure in most of the country; it’s determined by calculating 65% of the conforming loan limit. The ceiling applies to high-cost areas and is up to 150% of the conforming loan limit. In 2022, FHA floor and ceiling limits for a single-family loan are $420,680 and $970,800, respectively. Those numbers reflect an 18% increase in the average home sales price last year.

How to qualify for an FHA loan in Texas

Texas FHA loans offer a chance to buy a home with a lower credit score and a smaller downpayment. If you’re new to homebuying, you may qualify for even more benefits through Texas’s first-time homebuyer programs to help pay both down payment and closing costs.

To qualify for an FHA loan, you’ll need to live in your home for at least a year as your primary residence. Here are other FHA loan requirements you’ll need to meet:

  • A minimum 3.5% down payment: If you have a 580 credit score or higher, you can put as little as 3.5% down.
  • A credit score of 500 or better: Conventional mortgages require a minimum credit score of 620. FHA loans are more lenient, but if your score falls between 500-579, you’ll need to put at least 10% down.
  • A mortgage under the FHA loan limit: For homes that cost more than the limit, you’ll have to come up with a larger down payment or other funding to make up the difference.
  • A debt-to-income (DTI) ratio of 43% or less: Your DTI ratio shows how much of your monthly income is being used to pay off existing debts. FHA lenders typically prefer a DTI of 43% or below.
  • An FHA home appraisal: An FHA approved appraisal is required before you close to both determine your home’s value and give it an inspection.
  • Mortgage insurance: For FHA loans, two premiums apply. One is charged upfront at closing and is known as the upfront mortgage insurance premium (UFMIP). It’s worth 1.75% of the loan amount. The annual mortgage insurance premium (MIP) ranges between 0.45% to 1.05% of your loan amount. You’ll pay it in 12 installments as part of your monthly bill, for the life of the loan.
  • Occupancy. As mentioned above, you must live in the home as your primary residence for at least 12 months after your purchase it with an FHA loan.

Buying a multifamily property with an FHA loan

If you’re planning on buying a multifamily home, the same FHA loan requirements will apply. With a qualifying credit score, you may be able to buy a home with up to four separate living units — and still put down just 3.5%. The loan limits are higher for multifamily homes.

FHA lenders in Texas

Here are five highly rated mortgage lenders licensed to operate in Texas.

Lender name LT rating Minimum FHA credit score 
Lower10/10580
Better Mortgage9.5/10620
Rocket Mortgage9.5/10580
PennyMac9/10640
Guild Mortgage9/10540

 

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