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 |
Verified as of July 2026 (FHFA/HUD)
*Need financing above $832,750? Ask about our Texas jumbo loan options.
Explore Conventional Loans by Texas Region
Choose your region for local conventional loan guidance and county loan limits:
Houston Metro
Harris, Fort Bend & Montgomery county communities.
Learn MoreDallas–Fort Worth
The DFW metroplex and its booming suburbs.
Learn MoreSan Antonio
Bexar County and the surrounding Hill Country.
Learn MoreAustin Metro
Travis, Williamson & Hays county markets.
Learn MoreCentral Texas
Waco, Killeen, Temple and the Belton corridor.
Learn MoreRio Grande Valley
McAllen, Edinburg, Mission and the greater RGV.
Learn MoreWhy 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.
Explore More Texas Loan Options
Ready to Get Started?
Get pre-qualified for your Texas conventional loan in minutes. See your rate and buying power today.
From the blog & learning center
Conventional Loan Guides & Articles
What Is PMI and How Do I Get Rid of It?
Private mortgage insurance (PMI) is a monthly charge added to conventional loans when you put down less than 20%. On most conventional loans it cancels automatically once you reach 22% equity, and you can request removal at 20%.
Read more
2026 Conforming Loan Limits by County: High-Cost Areas in the 18 States I Serve
The 2026 baseline conforming loan limit is $832,750, but 9 of the 18 states I'm licensed in have counties with higher limits — here's the exact figure for every above-baseline county.
Read more
Down Payment Assistance Programs by State
Most states offer some form of down payment assistance, and many buyers qualify without realizing it.
Read more
Down Payment Reality Check: How Much You Actually Need
You don't need 20% down to buy a house.
Read more
How Much Down Payment Do You Need for a Conventional Loan?
The 20% rule is a myth. On a conventional loan you can put down as little as 3% as a first-time buyer or 5% otherwise, with 5% required on high-balance loans. Here is how to find your real down payment number.
Read more
How to Buy a House With Little Money Saved
You can buy a home with very little saved by combining a low or zero down payment loan with down payment assistance and seller-paid or lender-paid closing costs.
Read more