$832,750
The same one-unit conforming limit appears throughout the state’s FHFA records. This cap applies to the loan, not the sale price.
Compare Texas mortgage rates—and the costs behind them.
There is no single mortgage rate for every Texas borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a Texas mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
254 areas
Anderson County and the other areas in the table share this one-unit limit. Taxes, insurance and assistance eligibility can still differ.
Texas Department of Housing and Community Affairs
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 Texas conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
254 of 254 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Anderson County | $832,750 |
| Andrews County | $832,750 |
| Angelina County | $832,750 |
| Aransas County | $832,750 |
| Archer County | $832,750 |
| Armstrong County | $832,750 |
| Atascosa County | $832,750 |
| Austin County | $832,750 |
| Bailey County | $832,750 |
| Bandera County | $832,750 |
| Bastrop County | $832,750 |
| Baylor County | $832,750 |
| Bee County | $832,750 |
| Bell County | $832,750 |
| Bexar County | $832,750 |
| Blanco County | $832,750 |
| Borden County | $832,750 |
| Bosque County | $832,750 |
| Bowie County | $832,750 |
| Brazoria County | $832,750 |
| Brazos County | $832,750 |
| Brewster County | $832,750 |
| Briscoe County | $832,750 |
| Brooks County | $832,750 |
| Brown County | $832,750 |
| Burleson County | $832,750 |
| Burnet County | $832,750 |
| Caldwell County | $832,750 |
| Calhoun County | $832,750 |
| Callahan County | $832,750 |
| Cameron County | $832,750 |
| Camp County | $832,750 |
| Carson County | $832,750 |
| Cass County | $832,750 |
| Castro County | $832,750 |
| Chambers County | $832,750 |
| Cherokee County | $832,750 |
| Childress County | $832,750 |
| Clay County | $832,750 |
| Cochran County | $832,750 |
| Coke County | $832,750 |
| Coleman County | $832,750 |
| Collin County | $832,750 |
| Collingsworth County | $832,750 |
| Colorado County | $832,750 |
| Comal County | $832,750 |
| Comanche County | $832,750 |
| Concho County | $832,750 |
| Cooke County | $832,750 |
| Coryell County | $832,750 |
| Cottle County | $832,750 |
| Crane County | $832,750 |
| Crockett County | $832,750 |
| Crosby County | $832,750 |
| Culberson County | $832,750 |
| Dallam County | $832,750 |
| Dallas County | $832,750 |
| Dawson County | $832,750 |
| Deaf Smith County | $832,750 |
| Delta County | $832,750 |
| Denton County | $832,750 |
| Dewitt County | $832,750 |
| Dickens County | $832,750 |
| Dimmit County | $832,750 |
| Donley County | $832,750 |
| Duval County | $832,750 |
| Eastland County | $832,750 |
| Ector County | $832,750 |
| Edwards County | $832,750 |
| Ellis County | $832,750 |
| El Paso County | $832,750 |
| Erath County | $832,750 |
| Falls County | $832,750 |
| Fannin County | $832,750 |
| Fayette County | $832,750 |
| Fisher County | $832,750 |
| Floyd County | $832,750 |
| Foard County | $832,750 |
| Fort Bend County | $832,750 |
| Franklin County | $832,750 |
| Freestone County | $832,750 |
| Frio County | $832,750 |
| Gaines County | $832,750 |
| Galveston County | $832,750 |
| Garza County | $832,750 |
| Gillespie County | $832,750 |
| Glasscock County | $832,750 |
| Goliad County | $832,750 |
| Gonzales County | $832,750 |
| Gray County | $832,750 |
| Grayson County | $832,750 |
| Gregg County | $832,750 |
| Grimes County | $832,750 |
| Guadalupe County | $832,750 |
| Hale County | $832,750 |
| Hall County | $832,750 |
| Hamilton County | $832,750 |
| Hansford County | $832,750 |
| Hardeman County | $832,750 |
| Hardin County | $832,750 |
| Harris County | $832,750 |
| Harrison County | $832,750 |
| Hartley County | $832,750 |
| Haskell County | $832,750 |
| Hays County | $832,750 |
| Hemphill County | $832,750 |
| Henderson County | $832,750 |
| Hidalgo County | $832,750 |
| Hill County | $832,750 |
| Hockley County | $832,750 |
| Hood County | $832,750 |
| Hopkins County | $832,750 |
| Houston County | $832,750 |
| Howard County | $832,750 |
| Hudspeth County | $832,750 |
| Hunt County | $832,750 |
| Hutchinson County | $832,750 |
| Irion County | $832,750 |
| Jack County | $832,750 |
| Jackson County | $832,750 |
| Jasper County | $832,750 |
| Jeff Davis County | $832,750 |
| Jefferson County | $832,750 |
| Jim Hogg County | $832,750 |
| Jim Wells County | $832,750 |
| Johnson County | $832,750 |
| Jones County | $832,750 |
| Karnes County | $832,750 |
| Kaufman County | $832,750 |
| Kendall County | $832,750 |
| Kenedy County | $832,750 |
| Kent County | $832,750 |
| Kerr County | $832,750 |
| Kimble County | $832,750 |
| King County | $832,750 |
| Kinney County | $832,750 |
| Kleberg County | $832,750 |
| Knox County | $832,750 |
| Lamar County | $832,750 |
| Lamb County | $832,750 |
| Lampasas County | $832,750 |
| La Salle County | $832,750 |
| Lavaca County | $832,750 |
| Lee County | $832,750 |
| Leon County | $832,750 |
| Liberty County | $832,750 |
| Limestone County | $832,750 |
| Lipscomb County | $832,750 |
| Live Oak County | $832,750 |
| Llano County | $832,750 |
| Loving County | $832,750 |
| Lubbock County | $832,750 |
| Lynn County | $832,750 |
| Mcculloch County | $832,750 |
| Mclennan County | $832,750 |
| Mcmullen County | $832,750 |
| Madison County | $832,750 |
| Marion County | $832,750 |
| Martin County | $832,750 |
| Mason County | $832,750 |
| Matagorda County | $832,750 |
| Maverick County | $832,750 |
| Medina County | $832,750 |
| Menard County | $832,750 |
| Midland County | $832,750 |
| Milam County | $832,750 |
| Mills County | $832,750 |
| Mitchell County | $832,750 |
| Montague County | $832,750 |
| Montgomery County | $832,750 |
| Moore County | $832,750 |
| Morris County | $832,750 |
| Motley County | $832,750 |
| Nacogdoches County | $832,750 |
| Navarro County | $832,750 |
| Newton County | $832,750 |
| Nolan County | $832,750 |
| Nueces County | $832,750 |
| Ochiltree County | $832,750 |
| Oldham County | $832,750 |
| Orange County | $832,750 |
| Palo Pinto County | $832,750 |
| Panola County | $832,750 |
| Parker County | $832,750 |
| Parmer County | $832,750 |
| Pecos County | $832,750 |
| Polk County | $832,750 |
| Potter County | $832,750 |
| Presidio County | $832,750 |
| Rains County | $832,750 |
| Randall County | $832,750 |
| Reagan County | $832,750 |
| Real County | $832,750 |
| Red River County | $832,750 |
| Reeves County | $832,750 |
| Refugio County | $832,750 |
| Roberts County | $832,750 |
| Robertson County | $832,750 |
| Rockwall County | $832,750 |
| Runnels County | $832,750 |
| Rusk County | $832,750 |
| Sabine County | $832,750 |
| San Augustine County | $832,750 |
| San Jacinto County | $832,750 |
| San Patricio County | $832,750 |
| San Saba County | $832,750 |
| Schleicher County | $832,750 |
| Scurry County | $832,750 |
| Shackelford County | $832,750 |
| Shelby County | $832,750 |
| Sherman County | $832,750 |
| Smith County | $832,750 |
| Somervell County | $832,750 |
| Starr County | $832,750 |
| Stephens County | $832,750 |
| Sterling County | $832,750 |
| Stonewall County | $832,750 |
| Sutton County | $832,750 |
| Swisher County | $832,750 |
| Tarrant County | $832,750 |
| Taylor County | $832,750 |
| Terrell County | $832,750 |
| Terry County | $832,750 |
| Throckmorton County | $832,750 |
| Titus County | $832,750 |
| Tom Green County | $832,750 |
| Travis County | $832,750 |
| Trinity County | $832,750 |
| Tyler County | $832,750 |
| Upshur County | $832,750 |
| Upton County | $832,750 |
| Uvalde County | $832,750 |
| Val Verde County | $832,750 |
| Van Zandt County | $832,750 |
| Victoria County | $832,750 |
| Walker County | $832,750 |
| Waller County | $832,750 |
| Ward County | $832,750 |
| Washington County | $832,750 |
| Webb County | $832,750 |
| Wharton County | $832,750 |
| Wheeler County | $832,750 |
| Wichita County | $832,750 |
| Wilbarger County | $832,750 |
| Willacy County | $832,750 |
| Williamson County | $832,750 |
| Wilson County | $832,750 |
| Winkler County | $832,750 |
| Wise County | $832,750 |
| Wood County | $832,750 |
| Yoakum County | $832,750 |
| Young County | $832,750 |
| Zapata County | $832,750 |
| Zavala County | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for Texas down-payment help?
Texas Department of Housing and Community Affairs is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare Texas quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a Texas loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured Texas rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in Texas
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with Texas Department of Housing and Community Affairs before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same Texas property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating Texas originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
Texas mortgage questions
What is the 2026 conforming loan limit in Texas?
The 2026 one-unit limit is $832,750 across the 254 county-equivalent areas in FHFA’s Texas table. Two- to four-unit limits differ. This is a loan-amount limit, not a home-price cap or an approval.
Where can I find Texas homebuyer assistance information?
Start with Texas Department of Housing and Community Affairs, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual Texas offers?
No. The market link provides dated national benchmarks. An actual Texas quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.