Conforming loan limits for Texas - 2019

What is Fannie Mae and Freddie Mac?

Family sitting in front of their house
In 1938, the Federal government created the Federal National Mortgage Association (Fannie Mae) to kick-start the failing housing industry. In 1970, the federal government created the Federal National Mortgage Corporation (Freddie Mac) to compete with Fannie Mae and encourage lower mortgage rates. Freddie Mac and Fannie Mae are private corporations. You can buy stock in these corporations the same as you can with other corporations; the big difference with these companies and other corporations is that the Federal government backs them from default.

Fannie Mae and Freddie Mac purchase residential home loans from the banks and mortgage companies. Because of the purchase arrangements, the banks and mortgage companies are able to deliver almost unlimited amounts of money to homebuyers. Fannie Mae and Freddie Mac bundle the purchased mortgages, (also known as “securitization”) and sell these securities to investors.

What is a conventional mortgage?
With a little history out of the way, loans that will be sold to either Freddie Mae or Fannie Mae are called "conventional" loans. These loans are also known as "conforming" loans, because they conform to the underwriting guidelines. If the mortgage is not an FHA, VA (Veteran’s mortgage) or USDA (United States Department of Agriculture) loan, chances are, it is a conventional loan. FHA, VA and USDA mortgage loans are either insured or guaranteed by the Federal government.

2018 Conforming loan limits for Texas
Freddie Mac and Fannie Mae and have lending limits. Mortgage loans at or below these limits are called “conforming” mortgages, since they conform to the lending limit. Mortgage loans higher than these limits are known as non-conforming or jumbo loans. Most US counties have a maximum loan limit of $484,350 for a single family home and condominium, ($620,200 for two units, ($749,650) for three units & ($931,600) for four units. These loan limits are applicable for purchase and refinance mortgage loans.

Several US counties surpass the standard loan amounts. These loans are known as conforming jumbo loans since they conform to the Fannie Mae and Freddie Mac higher lending limit, but surpass the typical lending limit.


One-Unit is a single family home or condominium
Two-Unit is two separate living units (duplex)
Three-Unit three separate living units (triplex)
Four-Unit four separate living units (fourplex)
County Name One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
ANDERSON 484,350 620,200 749,650 931,600
ANDREWS 484,350 620,200 749,650 931,600
ANGELINA 484,350 620,200 749,650 931,600
ARANSAS 484,350 620,200 749,650 931,600
ARCHER 484,350 620,200 749,650 931,600
ARMSTRONG 484,350 620,200 749,650 931,600
ATASCOSA 484,350 620,200 749,650 931,600
AUSTIN 484,350 620,200 749,650 931,600
BAILEY 484,350 620,200 749,650 931,600
BANDERA 484,350 620,200 749,650 931,600
BASTROP 484,350 620,200 749,650 931,600
BAYLOR 484,350 620,200 749,650 931,600
BEE 484,350 620,200 749,650 931,600
BELL 484,350 620,200 749,650 931,600
BEXAR 484,350 620,200 749,650 931,600
BLANCO 484,350 620,200 749,650 931,600
BORDEN 484,350 620,200 749,650 931,600
BOSQUE 484,350 620,200 749,650 931,600
BOWIE 484,350 620,200 749,650 931,600
BRAZORIA 484,350 620,200 749,650 931,600
BRAZOS 484,350 620,200 749,650 931,600
BREWSTER 484,350 620,200 749,650 931,600
BRISCOE 484,350 620,200 749,650 931,600
BROOKS 484,350 620,200 749,650 931,600
BROWN 484,350 620,200 749,650 931,600
BURLESON 484,350 620,200 749,650 931,600
BURNET 484,350 620,200 749,650 931,600
CALDWELL 484,350 620,200 749,650 931,600
CALHOUN 484,350 620,200 749,650 931,600
CALLAHAN 484,350 620,200 749,650 931,600
CAMERON 484,350 620,200 749,650 931,600
CAMP 484,350 620,200 749,650 931,600
CARSON 484,350 620,200 749,650 931,600
CASS 484,350 620,200 749,650 931,600
CASTRO 484,350 620,200 749,650 931,600
CHAMBERS 484,350 620,200 749,650 931,600
CHEROKEE 484,350 620,200 749,650 931,600
CHILDRESS 484,350 620,200 749,650 931,600
CLAY 484,350 620,200 749,650 931,600
COCHRAN 484,350 620,200 749,650 931,600
COKE 484,350 620,200 749,650 931,600
COLEMAN 484,350 620,200 749,650 931,600
COLLIN 484,350 620,200 749,650 931,600
COLLINGSWORTH 484,350 620,200 749,650 931,600
COLORADO 484,350 620,200 749,650 931,600
COMAL 484,350 620,200 749,650 931,600
COMANCHE 484,350 620,200 749,650 931,600
CONCHO 484,350 620,200 749,650 931,600
COOKE 484,350 620,200 749,650 931,600
CORYELL 484,350 620,200 749,650 931,600
COTTLE 484,350 620,200 749,650 931,600
CRANE 484,350 620,200 749,650 931,600
CROCKETT 484,350 620,200 749,650 931,600
CROSBY 484,350 620,200 749,650 931,600
CULBERSON 484,350 620,200 749,650 931,600
DALLAM 484,350 620,200 749,650 931,600
DALLAS 484,350 620,200 749,650 931,600
DAWSON 484,350 620,200 749,650 931,600
DEAF SMITH 484,350 620,200 749,650 931,600
DELTA 484,350 620,200 749,650 931,600
DENTON 484,350 620,200 749,650 931,600
DE WITT 484,350 620,200 749,650 931,600
DICKENS 484,350 620,200 749,650 931,600
DIMMIT 484,350 620,200 749,650 931,600
DONLEY 484,350 620,200 749,650 931,600
DUVAL 484,350 620,200 749,650 931,600
EASTLAND 484,350 620,200 749,650 931,600
ECTOR 484,350 620,200 749,650 931,600
EDWARDS 484,350 620,200 749,650 931,600
ELLIS 484,350 620,200 749,650 931,600
EL PASO 484,350 620,200 749,650 931,600
ERATH 484,350 620,200 749,650 931,600
FALLS 484,350 620,200 749,650 931,600
FANNIN 484,350 620,200 749,650 931,600
FAYETTE 484,350 620,200 749,650 931,600
FISHER 484,350 620,200 749,650 931,600
FLOYD 484,350 620,200 749,650 931,600
FOARD 484,350 620,200 749,650 931,600
FORT BEND 484,350 620,200 749,650 931,600
FRANKLIN 484,350 620,200 749,650 931,600
FREESTONE 484,350 620,200 749,650 931,600
FRIO 484,350 620,200 749,650 931,600
GAINES 484,350 620,200 749,650 931,600
GALVESTON 484,350 620,200 749,650 931,600
GARZA 484,350 620,200 749,650 931,600
GILLESPIE 484,350 620,200 749,650 931,600
GLASSCOCK 484,350 620,200 749,650 931,600
GOLIAD 484,350 620,200 749,650 931,600
GONZALES 484,350 620,200 749,650 931,600
GRAY 484,350 620,200 749,650 931,600
GRAYSON 484,350 620,200 749,650 931,600
GREGG 484,350 620,200 749,650 931,600
GRIMES 484,350 620,200 749,650 931,600
GUADALUPE 484,350 620,200 749,650 931,600
HALE 484,350 620,200 749,650 931,600
HALL 484,350 620,200 749,650 931,600
HAMILTON 484,350 620,200 749,650 931,600
HANSFORD 484,350 620,200 749,650 931,600
HARDEMAN 484,350 620,200 749,650 931,600
HARDIN 484,350 620,200 749,650 931,600
HARRIS 484,350 620,200 749,650 931,600
HARRISON 484,350 620,200 749,650 931,600
HARTLEY 484,350 620,200 749,650 931,600
HASKELL 484,350 620,200 749,650 931,600
HAYS 484,350 620,200 749,650 931,600
HEMPHILL 484,350 620,200 749,650 931,600
HENDERSON 484,350 620,200 749,650 931,600
HIDALGO 484,350 620,200 749,650 931,600
HILL 484,350 620,200 749,650 931,600
HOCKLEY 484,350 620,200 749,650 931,600
HOOD 484,350 620,200 749,650 931,600
HOPKINS 484,350 620,200 749,650 931,600
HOUSTON 484,350 620,200 749,650 931,600
HOWARD 484,350 620,200 749,650 931,600
HUDSPETH 484,350 620,200 749,650 931,600
HUNT 484,350 620,200 749,650 931,600
HUTCHINSON 484,350 620,200 749,650 931,600
IRION 484,350 620,200 749,650 931,600
JACK 484,350 620,200 749,650 931,600
JACKSON 484,350 620,200 749,650 931,600
JASPER 484,350 620,200 749,650 931,600
JEFF DAVIS 484,350 620,200 749,650 931,600
JEFFERSON 484,350 620,200 749,650 931,600
JIM HOGG 484,350 620,200 749,650 931,600
JIM WELLS 484,350 620,200 749,650 931,600
JOHNSON 484,350 620,200 749,650 931,600
JONES 484,350 620,200 749,650 931,600
KARNES 484,350 620,200 749,650 931,600
KAUFMAN 484,350 620,200 749,650 931,600
KENDALL 484,350 620,200 749,650 931,600
KENEDY 484,350 620,200 749,650 931,600
KENT 484,350 620,200 749,650 931,600
KERR 484,350 620,200 749,650 931,600
KIMBLE 484,350 620,200 749,650 931,600
KING 484,350 620,200 749,650 931,600
KINNEY 484,350 620,200 749,650 931,600
KLEBERG 484,350 620,200 749,650 931,600
KNOX 484,350 620,200 749,650 931,600
LAMAR 484,350 620,200 749,650 931,600
LAMB 484,350 620,200 749,650 931,600
LAMPASAS 484,350 620,200 749,650 931,600
LA SALLE 484,350 620,200 749,650 931,600
LAVACA 484,350 620,200 749,650 931,600
LEE 484,350 620,200 749,650 931,600
LEON 484,350 620,200 749,650 931,600
LIBERTY 484,350 620,200 749,650 931,600
LIMESTONE 484,350 620,200 749,650 931,600
LIPSCOMB 484,350 620,200 749,650 931,600
LIVE OAK 484,350 620,200 749,650 931,600
LLANO 484,350 620,200 749,650 931,600
LOVING 484,350 620,200 749,650 931,600
LUBBOCK 484,350 620,200 749,650 931,600
LYNN 484,350 620,200 749,650 931,600
MCCULLOCH 484,350 620,200 749,650 931,600
MCLENNAN 484,350 620,200 749,650 931,600
MCMULLEN 484,350 620,200 749,650 931,600
MADISON 484,350 620,200 749,650 931,600
MARION 484,350 620,200 749,650 931,600
MARTIN 484,350 620,200 749,650 931,600
MASON 484,350 620,200 749,650 931,600
MATAGORDA 484,350 620,200 749,650 931,600
MAVERICK 484,350 620,200 749,650 931,600
MEDINA 484,350 620,200 749,650 931,600
MENARD 484,350 620,200 749,650 931,600
MIDLAND 484,350 620,200 749,650 931,600
MILAM 484,350 620,200 749,650 931,600
MILLS 484,350 620,200 749,650 931,600
MITCHELL 484,350 620,200 749,650 931,600
MONTAGUE 484,350 620,200 749,650 931,600
MONTGOMERY 484,350 620,200 749,650 931,600
MOORE 484,350 620,200 749,650 931,600
MORRIS 484,350 620,200 749,650 931,600
MOTLEY 484,350 620,200 749,650 931,600
NACOGDOCHES 484,350 620,200 749,650 931,600
NAVARRO 484,350 620,200 749,650 931,600
NEWTON 484,350 620,200 749,650 931,600
NOLAN 484,350 620,200 749,650 931,600
NUECES 484,350 620,200 749,650 931,600
OCHILTREE 484,350 620,200 749,650 931,600
OLDHAM 484,350 620,200 749,650 931,600
ORANGE 484,350 620,200 749,650 931,600
PALO PINTO 484,350 620,200 749,650 931,600
PANOLA 484,350 620,200 749,650 931,600
PARKER 484,350 620,200 749,650 931,600
PARMER 484,350 620,200 749,650 931,600
PECOS 484,350 620,200 749,650 931,600
POLK 484,350 620,200 749,650 931,600
POTTER 484,350 620,200 749,650 931,600
PRESIDIO 484,350 620,200 749,650 931,600
RAINS 484,350 620,200 749,650 931,600
RANDALL 484,350 620,200 749,650 931,600
REAGAN 484,350 620,200 749,650 931,600
REAL 484,350 620,200 749,650 931,600
RED RIVER 484,350 620,200 749,650 931,600
REEVES 484,350 620,200 749,650 931,600
REFUGIO 484,350 620,200 749,650 931,600
ROBERTS 484,350 620,200 749,650 931,600
ROBERTSON 484,350 620,200 749,650 931,600
ROCKWALL 484,350 620,200 749,650 931,600
RUNNELS 484,350 620,200 749,650 931,600
RUSK 484,350 620,200 749,650 931,600
SABINE 484,350 620,200 749,650 931,600
SAN AUGUSTINE 484,350 620,200 749,650 931,600
SAN JACINTO 484,350 620,200 749,650 931,600
SAN PATRICIO 484,350 620,200 749,650 931,600
SAN SABA 484,350 620,200 749,650 931,600
SCHLEICHER 484,350 620,200 749,650 931,600
SCURRY 484,350 620,200 749,650 931,600
SHACKELFORD 484,350 620,200 749,650 931,600
SHELBY 484,350 620,200 749,650 931,600
SHERMAN 484,350 620,200 749,650 931,600
SMITH 484,350 620,200 749,650 931,600
SOMERVELL 484,350 620,200 749,650 931,600
STARR 484,350 620,200 749,650 931,600
STEPHENS 484,350 620,200 749,650 931,600
STERLING 484,350 620,200 749,650 931,600
STONEWALL 484,350 620,200 749,650 931,600
SUTTON 484,350 620,200 749,650 931,600
SWISHER 484,350 620,200 749,650 931,600
TARRANT 484,350 620,200 749,650 931,600
TAYLOR 484,350 620,200 749,650 931,600
TERRELL 484,350 620,200 749,650 931,600
TERRY 484,350 620,200 749,650 931,600
THROCKMORTON 484,350 620,200 749,650 931,600
TITUS 484,350 620,200 749,650 931,600
TOM GREEN 484,350 620,200 749,650 931,600
TRAVIS 484,350 620,200 749,650 931,600
TRINITY 484,350 620,200 749,650 931,600
TYLER 484,350 620,200 749,650 931,600
UPSHUR 484,350 620,200 749,650 931,600
UPTON 484,350 620,200 749,650 931,600
UVALDE 484,350 620,200 749,650 931,600
VAL VERDE 484,350 620,200 749,650 931,600
VAN ZANDT 484,350 620,200 749,650 931,600
VICTORIA 484,350 620,200 749,650 931,600
WALKER 484,350 620,200 749,650 931,600
WALLER 484,350 620,200 749,650 931,600
WARD 484,350 620,200 749,650 931,600
WASHINGTON 484,350 620,200 749,650 931,600
WEBB 484,350 620,200 749,650 931,600
WHARTON 484,350 620,200 749,650 931,600
WHEELER 484,350 620,200 749,650 931,600
WICHITA 484,350 620,200 749,650 931,600
WILBARGER 484,350 620,200 749,650 931,600
WILLACY 484,350 620,200 749,650 931,600
WILLIAMSON 484,350 620,200 749,650 931,600
WILSON 484,350 620,200 749,650 931,600
WINKLER 484,350 620,200 749,650 931,600
WISE 484,350 620,200 749,650 931,600
WOOD 484,350 620,200 749,650 931,600
YOAKUM 484,350 620,200 749,650 931,600
YOUNG 484,350 620,200 749,650 931,600
ZAPATA 484,350 620,200 749,650 931,600
ZAVALA 484,350 620,200 749,650 931,600