Texas FHA Loans 2026
FHA loans offer Texas homebuyers a path to homeownership with just 3.5% down payment and flexible credit requirements. Perfect for first-time buyers in Houston, Katy, Sugar Land, and throughout the Lone Star State.
Texas families achieving homeownership with FHA financing
Texas FHA Loan Limits by County (2026)
Most Texas counties have the standard FHA limit of $541,287. Here are limits for major metro areas:
| County | 2026 FHA Limit | Area Type |
|---|---|---|
| Harris (Houston) | $541,287 | Standard |
| Fort Bend (Katy, Sugar Land) | $541,287 | Standard |
| Dallas | $541,287 | Standard |
| Tarrant (Fort Worth) | $541,287 | Standard |
| Travis (Austin) | $571,550 | High-Cost |
| Bexar (San Antonio) | $541,287 | Standard |
| Collin (Plano) | $541,287 | Standard |
| Montgomery (The Woodlands) | $541,287 | Standard |
| Brazoria | $541,287 | Standard |
| Galveston | $541,287 | Standard |
FHA Loans in Houston Metro Cities
Explore FHA loan options in specific Houston area communities:
Why Texas Homebuyers Choose FHA Loans
Low Down Payment
Just 3.5% down with credit score 580+. On a $300K home, that's only $10,500.
Flexible Credit
FHA accepts credit scores as low as 580 (or 500 with 10% down). Perfect for rebuilding credit.
Texas DPA Compatible
Combine with TDHCA My First Texas Home for up to 5% additional assistance.
Gift Funds Allowed
100% of your down payment can come from family gift funds with proper documentation.
Higher DTI Allowed
FHA allows debt-to-income ratios up to 50% in some cases, helping more Texans qualify.
Assumable Loans
Future buyers can assume your low FHA rate, potentially increasing your home's resale value.
Calculate Your Texas FHA Payment
Use our free mortgage calculator to estimate your monthly FHA loan payment including taxes, insurance, and PMI.
Open CalculatorTexas FHA Loan FAQs
What is the FHA loan limit in Texas for 2026?
Texas FHA loan limits for 2026 are $541,287 for single-family homes in most counties. Harris County (Houston), Fort Bend (Katy, Sugar Land), and other metro areas have the standard limit, which covers most Texas home purchases.
What credit score do I need for an FHA loan in Texas?
For a Texas FHA loan, you need a minimum credit score of 580 for 3.5% down payment, or 500-579 for 10% down. Many Texas lenders work with scores as low as 580 for first-time buyers in Houston, Katy, and Sugar Land.
Can I combine FHA with Texas down payment assistance?
Yes! Texas offers FHA-compatible down payment assistance through TDHCA My First Texas Home (up to 5%), SETH 5 Star Program, and Houston/Harris County programs. These can cover your 3.5% down payment and closing costs.
How much is FHA mortgage insurance in Texas?
FHA mortgage insurance in Texas includes an upfront premium of 1.75% of the loan amount (can be financed) plus annual MIP of 0.55% for most loans. For a $300,000 loan, this equals approximately $138/month in mortgage insurance.
Explore More Texas Loan Options
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