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Texas FHA Loan Rates

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Securing an FHA Loan in Texas

FHA loans are mortgage loans insured by the Federal Housing Administration that are issued by federally qualified FHA lenders. Texas FHA loans allow prospective homeowners to borrow money for the purchase of homes that they would not otherwise be able to afford. To find out how much you can borrow, check the table below for the  Texas FHA loan limits by county.

Texas FHA Loan Requirements

In order to obtain an FHA loan, borrowers must satisfy Texas FHA Loan Requirements. While loans guaranteed by the Federal Housing Administration include fairly lenient qualifications, borrowers must satisfy requirements regarding down payment, debt to income ratio, income and residency. 

General Requirements

  • Your down payment must be 3.5% or greater (96.5% loan-to-value, or LTV).
  • FHA requires a credit score of 500 or greater, but many lenders will not accept less than 580.
  • Your debt-to-income ratio (DTI) should be no greater than 45 - 50%.
  • Loan Limit (max allowable loan amount): Up to $625,500 in higher cost areas and as low as $271,050 in lower cost areas (see bottom of this page). 
  • Mortgage Insurance is required depending on loan terms and down payment.
  • Properties must meet FHA guidelines based on a home inspection.

Mortgage Insurance

  • An upfront premium of 1.75% the base loan amount is required at closing. 
  • Unless your mortgage term is less than or equal to 15 years and down payment is greater than or equal to 22%, a monthly mortgage insurance premium (MIP) must be paid alongside your principal and interest. 
  • The monthly payment can be canceled on loans with 10% or more down payment after reaching 78% LTV and the 11 year mark. 
  • If your down payment is less than 10%, you must also pay monthly mortgage insurance for the life of the loan.

Texas FHA Streamline Refinance 

FHA homeowners can get a lower rate or adjust their mortgage term with little hassle through an FHA Streamline refinance. Unlike other refinances, the FHA Streamline does not require a new home appraisal, and there is no income or employment verification step; the result is a faster process and with less paperwork. Borrowers who are underwater on their FHA mortgage, without significant equity, or have experienced any employment or credit hardships can still qualify for the fixed or adjustable-rate mortgage a Streamline refinance provides. 

Streamline Refinance Requirements:

  • Borrower must currently have an FHA-insured mortgage.
  • The refinance must pose a net tangible benefit for the borrower, meaning the process and fees won't outweigh the advantages. 
  • A minimum of six mortgage payments must have been made at the time of applying, or applying must be at least 210 days from closing.
  • Borrower must have clean payment history from the past year. 

Refinancing borrowers will likely have to pay an upfront and monthly mortgage insurance premium (MIP).

Texas FHA Loan Lenders

As mentioned above, FHA loans can be originated by qualified FHA loan lenders in TX. These lenders have received approval from the U.S. Department of Housing and Urban Development (HUD) and are qualified to issue all types of FHA loans, including FHA Streamline Refinances, FHA 203k Loans, and FHA Loans for the purchase of FHA-Approved Condos.

Texas Counties and FHA Loan Limits

County Name One-Family Two-Family Three-Family Four-Family
ANDERSON $271,050 $347,000 $419,400 $521,250
ANDREWS $271,050 $347,000 $419,400 $521,250
ANGELINA $271,050 $347,000 $419,400 $521,250
ARANSAS $271,050 $347,000 $419,400 $521,250
ARCHER $271,050 $347,000 $419,400 $521,250
ARMSTRONG $271,050 $347,000 $419,400 $521,250
ATASCOSA $332,500 $425,650 $514,500 $639,400
AUSTIN $272,550 $348,900 $421,750 $524,150
BAILEY $271,050 $347,000 $419,400 $521,250
BANDERA $332,500 $425,650 $514,500 $639,400
BASTROP $288,750 $369,650 $446,800 $555,300
BAYLOR $271,050 $347,000 $419,400 $521,250
BEE $271,050 $347,000 $419,400 $521,250
BELL $271,050 $347,000 $419,400 $521,250
BEXAR $332,500 $425,650 $514,500 $639,400
BLANCO $271,050 $347,000 $419,400 $521,250
BORDEN $271,050 $347,000 $419,400 $521,250
BOSQUE $271,050 $347,000 $419,400 $521,250
BOWIE $271,050 $347,000 $419,400 $521,250
BRAZORIA $271,050 $347,000 $419,400 $521,250
BRAZOS $271,050 $347,000 $419,400 $521,250
BREWSTER $271,050 $347,000 $419,400 $521,250
BRISCOE $271,050 $347,000 $419,400 $521,250
BROOKS $271,050 $347,000 $419,400 $521,250
BROWN $271,050 $347,000 $419,400 $521,250
BURLESON $271,050 $347,000 $419,400 $521,250
BURNET $271,050 $347,000 $419,400 $521,250
CALDWELL $288,750 $369,650 $446,800 $555,300
CALHOUN $271,050 $347,000 $419,400 $521,250
CALLAHAN $271,050 $347,000 $419,400 $521,250
CAMERON $271,050 $347,000 $419,400 $521,250
CAMP $271,050 $347,000 $419,400 $521,250
CARSON $271,050 $347,000 $419,400 $521,250
CASS $271,050 $347,000 $419,400 $521,250
CASTRO $271,050 $347,000 $419,400 $521,250
CHAMBERS $271,050 $347,000 $419,400 $521,250
CHEROKEE $271,050 $347,000 $419,400 $521,250
CHILDRESS $271,050 $347,000 $419,400 $521,250
CLAY $271,050 $347,000 $419,400 $521,250
COCHRAN $271,050 $347,000 $419,400 $521,250
COKE $271,050 $347,000 $419,400 $521,250
COLEMAN $271,050 $347,000 $419,400 $521,250
COLLIN $271,050 $347,000 $419,400 $521,250
COLLINGSWORTH $271,050 $347,000 $419,400 $521,250
COLORADO $271,050 $347,000 $419,400 $521,250
COMAL $332,500 $425,650 $514,500 $639,400
COMANCHE $271,050 $347,000 $419,400 $521,250
CONCHO $271,050 $347,000 $419,400 $521,250
COOKE $271,050 $347,000 $419,400 $521,250
CORYELL $271,050 $347,000 $419,400 $521,250
COTTLE
 $271,050 $347,000 $419,425 $521,250
CRANE
 $271,050 $347,000 $419,425 $521,250
CROCKETT
 $271,050 $347,000 $419,425 $521,250
CROSBY
 $271,050 $347,000 $419,425 $521,250
CULBERSON
 $271,050 $347,000 $419,425 $521,250
DALLAM
 $271,050 $347,000 $419,425 $521,250
DALLAS
 $271,050 $347,000 $419,425 $521,250
DAWSON
 $271,050 $347,000 $419,425 $521,250
DE WITT
 $271,050 $347,000 $419,425 $521,250
DEAF SMITH
 $271,050 $347,000 $419,425 $521,250
DELTA
 $271,050 $347,000 $419,425 $521,250
DENTON
 $271,050 $347,000 $419,425 $521,250
DICKENS
 $271,050 $347,000 $419,425 $521,250
DIMMIT
 $271,050 $347,000 $419,425 $521,250
DONLEY
 $271,050 $347,000 $419,425 $521,250
DUVAL
 $271,050 $347,000 $419,425 $521,250
EASTLAND
 $271,050 $347,000 $419,425 $521,250
ECTOR
 $271,050 $347,000 $419,425 $521,250
EDWARDS
 $271,050 $347,000 $419,425 $521,250
EL PASO
 $271,050 $347,000 $419,425 $521,250
ELLIS
 $271,050 $347,000 $419,425 $521,250
ERATH
 $271,050 $347,000 $419,425 $521,250
FALLS
 $271,050 $347,000 $419,425 $521,250
FANNIN
 $271,050 $347,000 $419,425 $521,250
FAYETTE
 $271,050 $347,000 $419,425 $521,250
FISHER
 $271,050 $347,000 $419,425 $521,250
FLOYD
 $271,050 $347,000 $419,425 $521,250
FOARD
 $271,050 $347,000 $419,425 $521,250
FORT BEND
 $272,550 $348,900 $421,750 $524,150
FRANKLIN
 $271,050 $347,000 $419,425 $521,250
FREESTONE
 $271,050 $347,000 $419,425 $521,250
FRIO
 $271,050 $347,000 $419,425 $521,250
GAINES
 $271,050 $347,000 $419,425 $521,250
GALVESTON
 $272,550 $348,900 $421,750 $524,150
GARZA
 $271,050 $347,000 $419,425 $521,250
GILLESPIE
 $271,050 $347,000 $419,425 $521,250
GLASSCOCK
 $271,050 $347,000 $419,425 $521,250
GOLIAD
 $271,050 $347,000 $419,425 $521,250
GONZALES
 $271,050 $347,000 $419,425 $521,250
GRAY
 $271,050 $347,000 $419,425 $521,250
GRAYSON
 $271,050 $347,000 $419,425 $521,250
GREGG
 $271,050 $347,000 $419,425 $521,250
GRIMES
 $271,050 $347,000 $419,425 $521,250
GUADALUPE
 $332,500 $425,650 $514,500 $639,400
HALE
 $271,050 $347,000 $419,425 $521,250
HALL
 $271,050 $347,000 $419,425 $521,250
HAMILTON
 $271,050 $347,000 $419,425 $521,250
HANSFORD
 $271,050 $347,000 $419,425 $521,250
HARDEMAN
 $271,050 $347,000 $419,425 $521,250
HARDIN
 $271,050 $347,000 $419,425 $521,250
HARRIS
 $272,550 $348,900 $421,750 $524,150
HARRISON
 $271,050 $347,000 $419,425 $521,250
HARTLEY
 $271,050 $347,000 $419,425 $521,250
HASKELL
 $271,050 $347,000 $419,425 $521,250
HAYS
 $288,750 $369,650 $446,800 $555,300
HEMPHILL
 $271,050 $347,000 $419,425 $521,250
HENDERSON
 $271,050 $347,000 $419,425 $521,250
HIDALGO
 $271,050 $347,000 $419,425 $521,250
HILL
 $271,050 $347,000 $419,425 $521,250
HOCKLEY
 $271,050 $347,000 $419,425 $521,250
HOOD
 $271,050 $347,000 $419,425 $521,250
HOPKINS
 $271,050 $347,000 $419,425 $521,250
HOUSTON
 $271,050 $347,000 $419,425 $521,250
HOWARD
 $271,050 $347,000 $419,425 $521,250
HUDSPETH
 $271,050 $347,000 $419,425 $521,250
HUNT
 $271,050 $347,000 $419,425 $521,250
HUTCHINSON
 $271,050 $347,000 $419,425 $521,250
IRION
 $271,050 $347,000 $419,425 $521,250
JACK
 $271,050 $347,000 $419,425 $521,250
JACKSON
 $271,050 $347,000 $419,425 $521,250
JASPER
 $271,050 $347,000 $419,425 $521,250
JEFF DAVIS
 $271,250 $347,250 $419,750 $521,650
JEFFERSON
 $271,050 $347,000 $419,425 $521,250
JIM HOGG
 $271,050 $347,000 $419,425 $521,250
JIM WELLS
 $271,050 $347,000 $419,425 $521,250
JOHNSON
 $271,050 $347,000 $419,425 $521,250
JONES
 $271,050 $347,000 $419,425 $521,250
KARNES
 $271,050 $347,000 $419,425 $521,250
KAUFMAN
 $271,050 $347,000 $419,425 $521,250
KENDALL
 $332,500 $425,650 $514,500 $639,400
KENEDY
 $271,050 $347,000 $419,425 $521,250
KENT
 $271,050 $347,000 $419,425 $521,250
KERR
 $271,050 $347,000 $419,425 $521,250
KIMBLE
 $271,050 $347,000 $419,425 $521,250
KING
 $271,050 $347,000 $419,425 $521,250
KINNEY
 $271,050 $347,000 $419,425 $521,250
KLEBERG
 $271,050 $347,000 $419,425 $521,250
KNOX
 $271,050 $347,000 $419,425 $521,250
LA SALLE
 $271,050 $347,000 $419,425 $521,250
LAMAR
 $271,050 $347,000 $419,425 $521,250
LAMB
 $271,050 $347,000 $419,425 $521,250
LAMPASAS
 $271,050 $347,000 $419,425 $521,250
LAVACA
 $271,050 $347,000 $419,425 $521,250
LEE
 $271,050 $347,000 $419,425 $521,250
LEON
 $271,050 $347,000 $419,425 $521,250
LIBERTY
 $272,550 $348,900 $421,750 $524,150
LIMESTONE
 $271,050 $347,000 $419,425 $521,250
LIPSCOMB
 $271,050 $347,000 $419,425 $521,250
LIVE OAK
 $271,050 $347,000 $419,425 $521,250
LLANO
 $271,050 $347,000 $419,425 $521,250
LOVING
 $271,050 $347,000 $419,425 $521,250
LUBBOCK
 $271,050 $347,000 $419,425 $521,250
LYNN
 $271,050 $347,000 $419,425 $521,250
MADISON
 $271,050 $347,000 $419,425 $521,250
MARION
 $271,050 $347,000 $419,425 $521,250
MARTIN
 $271,050 $347,000 $419,425 $521,250
MASON
 $271,050 $347,000 $419,425 $521,250
MATAGORDA
 $271,050 $347,000 $419,425 $521,250
MAVERICK
 $271,050 $347,000 $419,425 $521,250
MCCULLOCH
 $271,050 $347,000 $419,425 $521,250
MCLENNAN
 $271,050 $347,000 $419,425 $521,250
MCMULLEN
 $271,050 $347,000 $419,425 $521,250
MEDINA
 $332,500 $425,650 $514,500 $639,400
MENARD
 $271,050 $347,000 $419,425 $521,250
MIDLAND
 $271,050 $347,000 $419,425 $521,250
MILAM
 $271,050 $347,000 $419,425 $521,250
MILLS
 $271,050 $347,000 $419,425 $521,250
MITCHELL
 $271,050 $347,000 $419,425 $521,250
MONTAGUE
 $271,050 $347,000 $419,425 $521,250
MONTGOMERY
 $272,550 $348,900 $421,750 $524,150
MOORE
 $271,050 $347,000 $419,425 $521,250
MORRIS
 $271,050 $347,000 $419,425 $521,250
MOTLEY
 $271,050 $347,000 $419,425 $521,250
NACOGDOCHES
 $271,050 $347,000 $419,425 $521,250
NAVARRO
 $271,050 $347,000 $419,425 $521,250
NEWTON
 $271,050 $347,000 $419,425 $521,250
NOLAN
 $271,050 $347,000 $419,425 $521,250
NUECES
 $271,050 $347,000 $419,425 $521,250
OCHILTREE
 $271,050 $347,000 $419,425 $521,250
OLDHAM
 $271,050 $347,000 $419,425 $521,250
ORANGE
 $271,050 $347,000 $419,425 $521,250
PALO PINTO
 $271,050 $347,000 $419,425 $521,250
PANOLA
 $271,050 $347,000 $419,425 $521,250
PARKER
 $271,050 $347,000 $419,425 $521,250
PARMER
 $271,050 $347,000 $419,425 $521,250
PECOS
 $271,050 $347,000 $419,425 $521,250
POLK
 $271,050 $347,000 $419,425 $521,250
POTTER
 $271,050 $347,000 $419,425 $521,250
PRESIDIO
 $271,050 $347,000 $419,425 $521,250
RAINS
 $271,050 $347,000 $419,425 $521,250
RANDALL
 $271,050 $347,000 $419,425 $521,250
REAGAN
 $271,050 $347,000 $419,425 $521,250
REAL
 $271,050 $347,000 $419,425 $521,250
RED RIVER
 $271,050 $347,000 $419,425 $521,250
REEVES
 $271,050 $347,000 $419,425 $521,250
REFUGIO
 $271,050 $347,000 $419,425 $521,250
ROBERTS
 $271,050 $347,000 $419,425 $521,250
ROBERTSON
 $271,050 $347,000 $419,425 $521,250
ROCKWALL
 $271,050 $347,000 $419,425 $521,250
RUNNELS
 $271,050 $347,000 $419,425 $521,250
RUSK
 $271,050 $347,000 $419,425 $521,250
SABINE
 $271,050 $347,000 $419,425 $521,250
SAN AUGUSTINE
 $271,050 $347,000 $419,425 $521,250
SAN JACINTO
 $272,550 $348,900 $421,750 $524,150
SAN PATRICIO
 $271,050 $347,000 $419,425 $521,250
SAN SABA
 $271,050 $347,000 $419,425 $521,250
SCHLEICHER
 $271,050 $347,000 $419,425 $521,250
SCURRY
 $271,050 $347,000 $419,425 $521,250
SHACKELFORD
 $271,050 $347,000 $419,425 $521,250
SHELBY
 $271,050 $347,000 $419,425 $521,250
SHERMAN
 $271,050 $347,000 $419,425 $521,250
SMITH
 $271,050 $347,000 $419,425 $521,250
SOMERVELL
 $271,050 $347,000 $419,425 $521,250
STARR
 $271,050 $347,000 $419,425 $521,250
STEPHENS
 $271,050 $347,000 $419,425 $521,250
STERLING
 $271,050 $347,000 $419,425 $521,250
STONEWALL
 $271,050 $347,000 $419,425 $521,250
SUTTON
 $271,050 $347,000 $419,425 $521,250
SWISHER
 $271,050 $347,000 $419,425 $521,250
TARRANT
 $271,050 $347,000 $419,425 $521,250
TAYLOR
 $271,050 $347,000 $419,425 $521,250
TERRELL
 $271,050 $347,000 $419,425 $521,250
TERRY
 $271,050 $347,000 $419,425 $521,250
THROCKMORTON
 $271,050 $347,000 $419,425 $521,250
TITUS
 $271,050 $347,000 $419,425 $521,250
TOM GREEN
 $271,050 $347,000 $419,425 $521,250
TRAVIS
 $288,750 $369,650 $446,800 $555,300
TRINITY
 $271,050 $347,000 $419,425 $521,250
TYLER
 $271,050 $347,000 $419,425 $521,250
UPSHUR
 $271,050 $347,000 $419,425 $521,250
UPTON
 $271,050 $347,000 $419,425 $521,250
UVALDE
 $271,050 $347,000 $419,425 $521,250
VAL VERDE
 $271,050 $347,000 $419,425 $521,250
VAN ZANDT
 $271,050 $347,000 $419,425 $521,250
VICTORIA
 $271,050 $347,000 $419,425 $521,250
WALKER
 $271,050 $347,000 $419,425 $521,250
WALLER
 $272,550 $348,900 $421,750 $524,150
WARD
 $271,050 $347,000 $419,425 $521,250
WASHINGTON
 $271,050 $347,000 $419,425 $521,250
WEBB
 $271,050 $347,000 $419,425 $521,250
WHARTON
 $271,050 $347,000 $419,425 $521,250
WHEELER
 $271,050 $347,000 $419,425 $521,250
WICHITA
 $271,050 $347,000 $419,425 $521,250
WILBARGER
 $271,050 $347,000 $419,425 $521,250
WILLACY
 $271,050 $347,000 $419,425 $521,250
WILLIAMSON
 $288,750 $369,650 $446,800 $555,300
WILSON
 $332,500 $425,650 $514,500 $639,400
WINKLER
 $271,050 $347,000 $419,425 $521,250
WISE
 $271,050 $347,000 $419,425 $521,250
WOOD
 $271,050 $347,000 $419,425 $521,250
YOAKUM
 $271,050 $347,000 $419,425 $521,250
YOUNG
 $271,050 $347,000 $419,425 $521,250
ZAPATA
 $271,050 $347,000 $419,425 $521,250
ZAVALA
 $271,050 $347,000 $419,425 $521,250
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