Texas Conventional Loans 2026
Yes, Texas buyers can get a conventional loan with as little as 3% down, and unlike FHA, the mortgage insurance is removable once you reach 20% equity. The 2026 conforming loan limit across all Texas counties is $832,750, and conventional loans work for primary homes, second homes, and investment properties. As an independent Texas mortgage broker, I compare conventional pricing across my lender network to find your lowest rate.
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
What is the conventional loan limit in Texas for 2026?
The 2026 conforming loan limit is $832,750 for a single-family home in every Texas county, from Harris (Houston) to Travis (Austin). Loans above that amount are financed as jumbo loans.
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.
What are today's conventional loan rates in Texas?
Below is today's live 30-year fixed conventional rate, pulled from our daily rate sheet. Texas buyers get the same competitive conventional pricing statewide, and your final rate depends on your credit, down payment, loan amount, and property.
Today’s 30-Year Fixed (Conventional) Rate
Conventional – Primary Residence
Rate Assumptions
30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
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 MoreWhat are the advantages of a conventional loan in Texas?
A conventional loan in Texas offers removable PMI, no upfront mortgage insurance fee, a down payment as low as 3%, and the flexibility to finance primary homes, second homes, and investment properties. Here's how to remove PMI once you reach 20% equity.
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.
Estimate Your Texas Monthly Payment
Texas's 2026 conforming loan limit is $832,750 for a single-unit home. Adjust the price, down payment, rate, and term to see your full monthly payment. When the numbers look right, start your Texas mortgage pre-approval so you can make offers with confidence.
Monthly Payment Calculator
Calculate your estimated monthly mortgage payment including taxes, insurance, and HOA dues
Annual % of home price. Adjust in eighths (0.125%).
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Texas 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
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From the blog & learning center
Conventional Loan Guides & Articles
First-Time Homebuyer Loan Options Explained
First-time buyers have more loan options than most people realize, ranging from zero down payment programs to specialized conventional products built specifically for buyers with limited savings.
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FHA vs Conventional Loans in 2026: Which One Actually Fits Your Situation?
The right mortgage depends on your credit, your down payment, and how long you plan to keep the loan. Here is a clear breakdown of how FHA and conventional loans actually compare in 2026 so you can make a confident call.
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The GSEs Are Quietly Taxing Your Refinance — And the Loan Officer Who Said "Just Refi Later" Didn't Tell You That
Fannie Mae and Freddie Mac's Loan-Level Price Adjustments have made refinancing dramatically more expensive than purchasing — especially for high-balance and second home loans. Three real scenarios with real numbers show why "just refinance later" is broken advice in 2026.
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The Family Opportunity Mortgage: How to Buy a Home for Your Parents or Children with Primary Residence Perks
Discover how the Family Opportunity Mortgage allows you to purchase a home for aging parents, adult children, or disabled family members with just 5% down and primary residence rates—saving tens of thousands compared to investment property financing.
Read moreConventional vs. FHA Loans: The Ultimate 2026 Comparison Guide
Choosing between a conventional loan and an FHA loan is one of the most critical decisions in your home-buying journey. Learn which loan type fits your financial DNA with real examples, comparison tables, and interactive calculators.
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The Complete Guide to First-Time Home Buyer Programs in 2026
Discover the surprising definition of a "first-time buyer," explore the best low-down-payment loan programs (FHA, VA, USDA, Conventional 97), and learn how to leverage state grants to get into your new home sooner.
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