2019 Texas FHA County Loan Limits

House with a sold sign

Thinking about purchasing a house in Texas? Take a look at a FHA Mortgage loan

The maximum FHA lending limit for a one family (and condominium) residential home is 294,515 in most Texas counties, however, several Texas counties exceed the FHA limit.  

The minimum down payment for an FHA loan is only 3.5%. To arrive at the maximum sales price for an FHA loan with the minimum down payment, just divide the Texas county limit by 96.5% (i.e.

275,665/96.5%). 

The FHA home loan is a very popular loan program for Texas home buyers and homeowners who are seeking an affordable refinance mortgage because of the flexible underwriting guidelines and reduced credit score requirement. Monthly mortgage insurance is required for both purchase and refinance loans, however, the monthly premium is very affordable.

You can estimate the down payment, mortgage amount and monthly payment with the FHA Texas calculator with this link – FHA Calculator Texas

What exactly is the FHA?
The Federal Housing Administration (FHA) was founded during the Great Depression to support the housing industry. The FHA remains committed to help homeowners that do not satisfy typical financing needs, have a low credit score or have an inconsistent income history.

Are there income limits with an FHA home loan? - No!


Do I need to be a first-time buyer? - No

Will I qualify for an FHA home mortgage loan?
If you have a history of paying your bills on time, have a credit score of at least 600, are gainfully employed, meet the monthly income and debt ratios, and do not currently have an FHA mortgage loan, there is a good possibility that you will qualify for an FHA home loan. An approved FHA lender can determine whether or not you satisfy the requirements for an FHA loan.

Does an FHA loan require a lot of money to purchase a home with an FHA mortgage?

The FHA down payment is only 3.5% and the closing costs can be paid for by a relative as long as the payment is made as a gift. The closing costs in Texas are very low compared to other states.

Is the the seller permitted to pay my closing costs?

Yes! The Federal Housing Administration (FHA) will allow the home seller to pay as much as 6% of the purchase price toward the buyer's settlement costs.

Do I apply to the FHA for a loan?

No, the Federal Housing Administration works with banks and mortgage brokers to originate and process the FHA mortgage. You apply for an FHA mortgage through an approved bank or mortgage broker.

I would like to refinance. Can the FHA help?
Yes! The FHA provides a simple refinance mortgage program for homeowners who already have a FHA mortgage loan and need to refinance to lower monthly payment. In some cases home owners can do this without up front costs. The FHA also offers a cash-out loan. With an FHA cash out refinance, homeowners can get up to 85% of the value of the house.

Is there a sales price limit?
No, but there is a maximum loan amount based on the Texas county - see below:

2019 FHA County Loan Limits for Texas

One-Family is a single family home or condominium
Two-Family is two separate living units (duplex)
Three-Family three separate living units (triplex)
Four-Family  four separate living units (fourplex)

One-Family  Two-Family  Three-Family  Four-Family  Media Sales Price
Anderson 314,827 403,125 487,250 605,525 112,000
Andrews 314,827 403,125 487,250 605,525 139,000
Angelina 314,827 403,125 487,250 605,525 137,000
Aransas 314,827 403,125 487,250 605,525 197,000
Archer 314,827 403,125 487,250 605,525 163,000
Armstrong 314,827 403,125 487,250 605,525 183,000
Atascosa 359,950 460,800 557,000 692,200 313,000
Austin 331,200 424,000 512,500 636,900 284,000
Bailey 314,827 403,125 487,250 605,525 72,000
Bandera 359,950 460,800 557,000 692,200 313,000
Bastrop 389,850 499,050 603,250 749,700 339,000
Baylor 314,827 403,125 487,250 605,525 115,000
Bee 314,827 403,125 487,250 605,525 139,000
Bell 314,827 403,125 487,250 605,525 171,000
Bexar 359,950 460,800 557,000 692,200 313,000
Blanco 314,827 403,125 487,250 605,525 175,000
Borden 314,827 403,125 487,250 605,525 164,000
Bosque 314,827 403,125 487,250 605,525 118,000
Bowie 314,827 403,125 487,250 605,525 139,000
Brazoria 331,200 424,000 512,500 636,900 284,000
Brazos 314,827 403,125 487,250 605,525 233,000
Brewster 314,827 403,125 487,250 605,525 171,000
Briscoe 314,827 403,125 487,250 605,525 101,000
Brooks 314,827 403,125 487,250 605,525 55,000
Brown 314,827 403,125 487,250 605,525 120,000
Burleson 314,827 403,125 487,250 605,525 233,000
Burnet 314,827 403,125 487,250 605,525 191,000
Caldwell 389,850 499,050 603,250 749,700 339,000
Calhoun 314,827 403,125 487,250 605,525 136,000
Callahan 314,827 403,125 487,250 605,525 163,000
Cameron 314,827 403,125 487,250 605,525 105,000
Camp 314,827 403,125 487,250 605,525 114,000
Carson 314,827 403,125 487,250 605,525 183,000
Cass 314,827 403,125 487,250 605,525 84,000
Castro 314,827 403,125 487,250 605,525 82,000
Chambers 331,200 424,000 512,500 636,900 284,000
Cherokee 314,827 403,125 487,250 605,525 119,000
Childress 314,827 403,125 487,250 605,525 83,000
Clay 314,827 403,125 487,250 605,525 163,000
Cochran 314,827 403,125 487,250 605,525 75,000
Coke 314,827 403,125 487,250 605,525 75,000
Coleman 314,827 403,125 487,250 605,525 80,000
Collin 395,600 506,450 612,150 760,750 344,000
Collingsworth 314,827 403,125 487,250 605,525 66,000
Colorado 314,827 403,125 487,250 605,525 145,000
Comal 359,950 460,800 557,000 692,200 313,000
Comanche 314,827 403,125 487,250 605,525 111,000
Concho 314,827 403,125 487,250 605,525 159,000
Cooke 314,827 403,125 487,250 605,525 188,000
Coryell 314,827 403,125 487,250 605,525 171,000
Cottle 314,827 403,125 487,250 605,525 49,000
Crane 314,827 403,125 487,250 605,525 155,000
Crockett 314,827 403,125 487,250 605,525 87,000
Crosby 314,827 403,125 487,250 605,525 173,000
Culberson 314,827 403,125 487,250 605,525 122,000
Dallam 314,827 403,125 487,250 605,525 90,000
Dallas 395,600 506,450 612,150 760,750 344,000
Dawson 314,827 403,125 487,250 605,525 85,000
DeafSmith 314,827 403,125 487,250 605,525 99,000
Delta 314,827 403,125 487,250 605,525 81,000
Denton 395,600 506,450 612,150 760,750 344,000
Dewitt 314,827 403,125 487,250 605,525 120,000
Dickens 314,827 403,125 487,250 605,525 58,000
Dimmit 314,827 403,125 487,250 605,525 64,000
Donley 314,827 403,125 487,250 605,525 89,000
Duval 314,827 403,125 487,250 605,525 55,000
Eastland 314,827 403,125 487,250 605,525 80,000
Ector 314,827 403,125 487,250 605,525 196,000
Edwards 314,827 403,125 487,250 605,525 92,000
ElPaso 314,827 403,125 487,250 605,525 157,000
Ellis 395,600 506,450 612,150 760,750 344,000
Erath 314,827 403,125 487,250 605,525 159,000
Falls 314,827 403,125 487,250 605,525 176,000
Fannin 314,827 403,125 487,250 605,525 148,000
Fayette 314,827 403,125 487,250 605,525 158,000
Fisher 314,827 403,125 487,250 605,525 55,000
Floyd 314,827 403,125 487,250 605,525 66,000
Foard 314,827 403,125 487,250 605,525 56,000
FortBend 331,200 424,000 512,500 636,900 284,000
Franklin 314,827 403,125 487,250 605,525 197,000
Freestone 314,827 403,125 487,250 605,525 87,000
Frio 314,827 403,125 487,250 605,525 84,000
Gaines 314,827 403,125 487,250 605,525 123,000
Galveston 331,200 424,000 512,500 636,900 284,000
Garza 314,827 403,125 487,250 605,525 103,000
Gillespie 324,300 415,150 501,800 623,650 282,000
Glasscock 314,827 403,125 487,250 605,525 221,000
Goliad 314,827 403,125 487,250 605,525 175,000
Gonzales 314,827 403,125 487,250 605,525 107,000
Gray 314,827 403,125 487,250 605,525 82,000
Grayson 314,827 403,125 487,250 605,525 175,000
Gregg 314,827 403,125 487,250 605,525 159,000
Grimes 314,827 403,125 487,250 605,525 136,000
Guadalupe 359,950 460,800 557,000 692,200 313,000
Hale 314,827 403,125 487,250 605,525 105,000
Hall 314,827 403,125 487,250 605,525 55,000
Hamilton 314,827 403,125 487,250 605,525 75,000
Hansford 314,827 403,125 487,250 605,525 102,000
Hardeman 314,827 403,125 487,250 605,525 61,000
Hardin 314,827 403,125 487,250 605,525 171,000
Harris 331,200 424,000 512,500 636,900 284,000
Harrison 314,827 403,125 487,250 605,525 175,000
Hartley 314,827 403,125 487,250 605,525 168,000
Haskell 314,827 403,125 487,250 605,525 55,000
Hays 389,850 499,050 603,250 749,700 339,000
Hemphill 314,827 403,125 487,250 605,525 117,000
Henderson 314,827 403,125 487,250 605,525 150,000
Hidalgo 314,827 403,125 487,250 605,525 125,000
Hill 314,827 403,125 487,250 605,525 115,000
Hockley 314,827 403,125 487,250 605,525 118,000
Hood 395,600 506,450 612,150 760,750 344,000
Hopkins 314,827 403,125 487,250 605,525 133,000
Houston 314,827 403,125 487,250 605,525 118,000
Howard 314,827 403,125 487,250 605,525 221,000
Hudspeth 314,827 403,125 487,250 605,525 157,000
Hunt 395,600 506,450 612,150 760,750 344,000
Hutchinson 314,827 403,125 487,250 605,525 90,000
Irion 314,827 403,125 487,250 605,525 160,000
Jack 314,827 403,125 487,250 605,525 86,000
Jackson 314,827 403,125 487,250 605,525 123,000
Jasper 314,827 403,125 487,250 605,525 101,000
JeffDavis 314,827 403,125 487,250 605,525 177,000
Jefferson 314,827 403,125 487,250 605,525 171,000
JimHogg 314,827 403,125 487,250 605,525 75,000
JimWells 314,827 403,125 487,250 605,525 88,000
Johnson 395,600 506,450 612,150 760,750 344,000
Jones 314,827 403,125 487,250 605,525 163,000
Karnes 314,827 403,125 487,250 605,525 102,000
Kaufman 395,600 506,450 612,150 760,750 344,000
Kendall 359,950 460,800 557,000 692,200 313,000
Kenedy 314,827 403,125 487,250 605,525 125,000
Kent 314,827 403,125 487,250 605,525 83,000
Kerr 314,827 403,125 487,250 605,525 206,000
Kimble 314,827 403,125 487,250 605,525 131,000
King 314,827 403,125 487,250 605,525 114,000
Kinney 314,827 403,125 487,250 605,525 115,000
Kleberg 314,827 403,125 487,250 605,525 125,000
Knox 314,827 403,125 487,250 605,525 50,000
LaSalle 314,827 403,125 487,250 605,525 52,000
Lamar 314,827 403,125 487,250 605,525 116,000
Lamb 314,827 403,125 487,250 605,525 75,000
Lampasas 314,827 403,125 487,250 605,525 171,000
Lavaca 314,827 403,125 487,250 605,525 146,000
Lee 314,827 403,125 487,250 605,525 136,000
Leon 314,827 403,125 487,250 605,525 119,000
Liberty 331,200 424,000 512,500 636,900 284,000
Limestone 314,827 403,125 487,250 605,525 95,000
Lipscomb 314,827 403,125 487,250 605,525 102,000
LiveOak 314,827 403,125 487,250 605,525 118,000
Llano 314,827 403,125 487,250 605,525 191,000
Loving 314,827 403,125 487,250 605,525 65,000
Lubbock 314,827 403,125 487,250 605,525 173,000
Lynn 314,827 403,125 487,250 605,525 173,000
Madison 314,827 403,125 487,250 605,525 124,000
Marion 314,827 403,125 487,250 605,525 113,000
Martin 318,550 407,800 492,950 612,600 277,000
Mason 314,827 403,125 487,250 605,525 216,000
Matagorda 314,827 403,125 487,250 605,525 144,000
Maverick 314,827 403,125 487,250 605,525 128,000
Mcculloch 314,827 403,125 487,250 605,525 86,000
Mclennan 314,827 403,125 487,250 605,525 176,000
Mcmullen 314,827 403,125 487,250 605,525 124,000
Medina 359,950 460,800 557,000 692,200 313,000
Menard 314,827 403,125 487,250 605,525 64,000
Midland 318,550 407,800 492,950 612,600 277,000
Milam 314,827 403,125 487,250 605,525 114,000
Mills 314,827 403,125 487,250 605,525 140,000
Mitchell 314,827 403,125 487,250 605,525 67,000
Montague 314,827 403,125 487,250 605,525 95,000
Montgomery 331,200 424,000 512,500 636,900 284,000
Moore 314,827 403,125 487,250 605,525 112,000
Morris 314,827 403,125 487,250 605,525 76,000
Motley 314,827 403,125 487,250 605,525 63,000
Nacogdoches 314,827 403,125 487,250 605,525 142,000
Navarro 314,827 403,125 487,250 605,525 110,000
Newton 314,827 403,125 487,250 605,525 171,000
Nolan 314,827 403,125 487,250 605,525 115,000
Nueces 314,827 403,125 487,250 605,525 197,000
Ochiltree 314,827 403,125 487,250 605,525 104,000
Oldham 314,827 403,125 487,250 605,525 183,000
Orange 314,827 403,125 487,250 605,525 171,000
PaloPinto 314,827 403,125 487,250 605,525 134,000
Panola 314,827 403,125 487,250 605,525 147,000
Parker 395,600 506,450 612,150 760,750 344,000
Parmer 314,827 403,125 487,250 605,525 99,000
Pecos 314,827 403,125 487,250 605,525 80,000
Polk 314,827 403,125 487,250 605,525 118,000
Potter 314,827 403,125 487,250 605,525 183,000
Presidio 314,827 403,125 487,250 605,525 171,000
Rains 314,827 403,125 487,250 605,525 109,000
Randall 314,827 403,125 487,250 605,525 183,000
Reagan 314,827 403,125 487,250 605,525 144,000
Real 314,827 403,125 487,250 605,525 150,000
RedRiver 314,827 403,125 487,250 605,525 80,000
Reeves 314,827 403,125 487,250 605,525 71,000
Refugio 314,827 403,125 487,250 605,525 144,000
Roberts 314,827 403,125 487,250 605,525 136,000
Robertson 314,827 403,125 487,250 605,525 233,000
Rockwall 395,600 506,450 612,150 760,750 344,000
Runnels 314,827 403,125 487,250 605,525 82,000
Rusk 314,827 403,125 487,250 605,525 159,000
Sabine 314,827 403,125 487,250 605,525 89,000
SanAugustine 314,827 403,125 487,250 605,525 104,000
SanJacinto 314,827 403,125 487,250 605,525 91,000
SanPatricio 314,827 403,125 487,250 605,525 197,000
SanSaba 314,827 403,125 487,250 605,525 82,000
Schleicher 314,827 403,125 487,250 605,525 77,000
Scurry 314,827 403,125 487,250 605,525 106,000
Shackelford 314,827 403,125 487,250 605,525 87,000
Shelby 314,827 403,125 487,250 605,525 101,000
Sherman 314,827 403,125 487,250 605,525 94,000
Smith 314,827 403,125 487,250 605,525 192,000
Somervell 395,600 506,450 612,150 760,750 344,000
Starr 314,827 403,125 487,250 605,525 66,000
Stephens 314,827 403,125 487,250 605,525 77,000
Sterling 314,827 403,125 487,250 605,525 114,000
Stonewall 314,827 403,125 487,250 605,525 62,000
Sutton 314,827 403,125 487,250 605,525 105,000
Swisher 314,827 403,125 487,250 605,525 82,000
Tarrant 395,600 506,450 612,150 760,750 344,000
Taylor 314,827 403,125 487,250 605,525 163,000
Terrell 314,827 403,125 487,250 605,525 102,000
Terry 314,827 403,125 487,250 605,525 75,000
Throckmorton 314,827 403,125 487,250 605,525 97,000
Titus 314,827 403,125 487,250 605,525 147,000
TomGreen 314,827 403,125 487,250 605,525 160,000
Travis 389,850 499,050 603,250 749,700 339,000
Trinity 314,827 403,125 487,250 605,525 147,000
Tyler 314,827 403,125 487,250 605,525 113,000
Upshur 314,827 403,125 487,250 605,525 159,000
Upton 314,827 403,125 487,250 605,525 82,000
Uvalde 314,827 403,125 487,250 605,525 139,000
ValVerde 314,827 403,125 487,250 605,525 142,000
VanZandt 314,827 403,125 487,250 605,525 140,000
Victoria 314,827 403,125 487,250 605,525 175,000
Walker 314,827 403,125 487,250 605,525 147,000
Waller 331,200 424,000 512,500 636,900 284,000
Ward 314,827 403,125 487,250 605,525 179,000
Washington 314,827 403,125 487,250 605,525 198,000
Webb 314,827 403,125 487,250 605,525 167,000
Wharton 314,827 403,125 487,250 605,525 147,000
Wheeler 314,827 403,125 487,250 605,525 98,000
Wichita 314,827 403,125 487,250 605,525 163,000
Wilbarger 314,827 403,125 487,250 605,525 89,000
Willacy 314,827 403,125 487,250 605,525 87,000
Williamson 389,850 499,050 603,250 749,700 339,000
Wilson 359,950 460,800 557,000 692,200 313,000
Winkler 314,827 403,125 487,250 605,525 105,000
Wise 395,600 506,450 612,150 760,750 344,000
Wood 314,827 403,125 487,250 605,525 139,000
Yoakum 314,827 403,125 487,250 605,525 154,000
Young 314,827 403,125 487,250 605,525 114,000
Zapata 314,827 403,125 487,250 605,525 53,000
Zavala 314,827 403,125 487,250 605,525 13,000