Texas Conventional Loans 2026
Conventional loans offer Texas homebuyers the most flexibility with as little as 3% down, competitive rates, and removable PMI. Ideal for buyers in Katy, Sugar Land, Houston, and throughout Texas.
Expert guidance for Texas conventional mortgage financing
Texas Conforming Loan Limits (2026)
All Texas counties have the standard conforming limit of $832,750 for single-family homes:
| County | 2026 Conforming Limit | Area Type |
|---|---|---|
| Harris (Houston) | $832,750 | Standard |
| Fort Bend (Katy, Sugar Land) | $832,750 | Standard |
| Dallas | $832,750 | Standard |
| Tarrant (Fort Worth) | $832,750 | Standard |
| Travis (Austin) | $832,750 | Standard |
| Bexar (San Antonio) | $832,750 | Standard |
| Collin (Plano) | $832,750 | Standard |
| Montgomery (The Woodlands) | $832,750 | Standard |
*Need financing above $832,750? Ask about our Texas jumbo loan options.
Conventional Loans in Houston Metro
Explore conventional loan options in popular Houston area communities:
Why Texas Buyers Choose Conventional Loans
Removable PMI
Unlike FHA's lifetime MIP, conventional PMI cancels automatically at 22% equity or by request at 20%.
Lower Total Cost
With good credit (700+), conventional loans often have lower total costs than FHA over the loan life.
Flexible Properties
Conventional loans work for primary homes, second homes, investment properties, and condos.
3% Down Option
First-time buyers can put as little as 3% down with Fannie Mae HomeReady or Freddie Mac Home Possible.
No Upfront MIP
Unlike FHA's 1.75% upfront fee, conventional loans have no upfront mortgage insurance premium.
Gift Funds OK
100% of your down payment can come from family gift funds with proper documentation.
Calculate Your Texas Mortgage Payment
Use our free calculator to estimate your monthly payment including principal, interest, taxes, insurance, and PMI.
Open CalculatorTexas Conventional Loan FAQs
What is the conforming loan limit in Texas for 2026?
The 2026 conforming loan limit in Texas is $832,750 for single-family homes in most counties. This is the standard limit set by FHFA that applies to Harris (Houston), Fort Bend (Katy, Sugar Land), Dallas, and most Texas counties.
What credit score do I need for a conventional loan in Texas?
For a Texas conventional loan, the minimum credit score is typically 620. However, for the best rates and to qualify with only 3% down, a score of 740+ is ideal. Higher scores also mean lower PMI costs.
How do I remove PMI on my Texas conventional loan?
PMI on Texas conventional loans can be removed when you reach 20% equity. It automatically cancels at 22% equity or halfway through your loan term. You can also request early removal through a new appraisal if your home has appreciated.
Is a conventional or FHA loan better in Texas?
It depends on your situation. Conventional is better if you have 5%+ down and 700+ credit (lower total cost, removable PMI). FHA is better for lower credit scores (580+) or minimal down payment with less-than-perfect credit.
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