Texas Loan Limits in 2017, Conforming and FHA: Houston, Austin, Dallas, etc.

Update: Conforming loan limits for all Texas counties will go up in 2017. According to a November 23 announcement from the Federal Housing Finance Agency, the loan limit for a single-family home purchase in Texas will rise from $417,000 to $424,100

On this page, you’ll find the 2017 conforming and FHA loan limits for all counties in Texas. On the conforming side, there is a single lending limit for every county in the state. On the FHA side, the caps vary from one county to the next. So we have created two separate tables — one for each loan category.

Conforming Limits for Texas

Conforming loan limits are established by the Federal Housing Finance Agency. When a mortgage “conforms” to these maximum size caps, it can be sold to Freddie Mac or Fannie Mae. The maximum 2017 conforming loan limit in Texas is $424,100, for a single-family home. This applies to every county in the state. There are higher caps for multi-family properties, as shown in the table below.

Here are the 2017 conforming loan limits for all Texas counties:

1-Unit 2-Unit 3-Unit 4-Unit
$424,100 $543,000 $656,350 $815,650

Notes: The “1-unit” column applies to single-family homes. Most “typical” home buyers fall into this category. The other three columns are for multi-family / multi-unit properties, such as duplex, triplex, etc. The loan limits shown above apply to all counties in Texas, including the major metros of Houston, Dallas, San Antonio, Austin, Forth Worth and El Paso.


FHA Loan Limits in 2017

The 2017 FHA loan limits for Texas are a bit more complicated. Unlike the conforming category above, there is no single FHA lending cap that applies to the entire state. Instead, these caps vary from one county to the next. For most of the state, the 2017 FHA lending limit is $275,665 for a single-family home. But the caps are higher in counties with higher home prices, including most metro areas like Austin, Dallas and Houston.

Here are the 2017 FHA loan limits for Texas (alphabetical by county):

County 1-Family 2-Family 3-Family 4-Family
ANDERSON $275,665 $352,950 $426,625 $530,150
ANDREWS $275,665 $352,950 $426,625 $530,150
ANGELINA $275,665 $352,950 $426,625 $530,150
ARANSAS $275,665 $352,950 $426,625 $530,150
ARCHER $275,665 $352,950 $426,625 $530,150
ARMSTRONG $275,665 $352,950 $426,625 $530,150
ATASCOSA $327,750 $419,550 $507,150 $630,300
AUSTIN $331,200 $424,000 $512,500 $636,900
BAILEY $275,665 $352,950 $426,625 $530,150
BANDERA $327,750 $419,550 $507,150 $630,300
BASTROP $361,100 $462,250 $558,750 $694,400
BAYLOR $275,665 $352,950 $426,625 $530,150
BEE $275,665 $352,950 $426,625 $530,150
BELL $275,665 $352,950 $426,625 $530,150
BEXAR $327,750 $419,550 $507,150 $630,300
BLANCO $275,665 $352,950 $426,625 $530,150
BORDEN $275,665 $352,950 $426,625 $530,150
BOSQUE $275,665 $352,950 $426,625 $530,150
BOWIE $275,665 $352,950 $426,625 $530,150
BRAZORIA $331,200 $424,000 $512,500 $636,900
BRAZOS $275,665 $352,950 $426,625 $530,150
BREWSTER $275,665 $352,950 $426,625 $530,150
BRISCOE $275,665 $352,950 $426,625 $530,150
BROOKS $275,665 $352,950 $426,625 $530,150
BROWN $275,665 $352,950 $426,625 $530,150
BURLESON $275,665 $352,950 $426,625 $530,150
BURNET $275,665 $352,950 $426,625 $530,150
CALDWELL $361,100 $462,250 $558,750 $694,400
CALHOUN $275,665 $352,950 $426,625 $530,150
CALLAHAN $275,665 $352,950 $426,625 $530,150
CAMERON $275,665 $352,950 $426,625 $530,150
CAMP $275,665 $352,950 $426,625 $530,150
CARSON $275,665 $352,950 $426,625 $530,150
CASS $275,665 $352,950 $426,625 $530,150
CASTRO $275,665 $352,950 $426,625 $530,150
CHAMBERS $331,200 $424,000 $512,500 $636,900
CHEROKEE $275,665 $352,950 $426,625 $530,150
CHILDRESS $275,665 $352,950 $426,625 $530,150
CLAY $275,665 $352,950 $426,625 $530,150
COCHRAN $275,665 $352,950 $426,625 $530,150
COKE $275,665 $352,950 $426,625 $530,150
COLEMAN $275,665 $352,950 $426,625 $530,150
COLLIN $362,250 $463,750 $560,550 $696,650
COLLINGSWORTH $275,665 $352,950 $426,625 $530,150
COLORADO $275,665 $352,950 $426,625 $530,150
COMAL $327,750 $419,550 $507,150 $630,300
COMANCHE $275,665 $352,950 $426,625 $530,150
CONCHO $275,665 $352,950 $426,625 $530,150
COOKE $275,665 $352,950 $426,625 $530,150
CORYELL $275,665 $352,950 $426,625 $530,150
COTTLE $275,665 $352,950 $426,625 $530,150
CRANE $275,665 $352,950 $426,625 $530,150
CROCKETT $275,665 $352,950 $426,625 $530,150
CROSBY $275,665 $352,950 $426,625 $530,150
CULBERSON $275,665 $352,950 $426,625 $530,150
DALLAM $275,665 $352,950 $426,625 $530,150
DALLAS $362,250 $463,750 $560,550 $696,650
DAWSON $275,665 $352,950 $426,625 $530,150
DEAF SMITH $275,665 $352,950 $426,625 $530,150
DELTA $275,665 $352,950 $426,625 $530,150
DENTON $362,250 $463,750 $560,550 $696,650
DEWITT $275,665 $352,950 $426,625 $530,150
DICKENS $275,665 $352,950 $426,625 $530,150
DIMMIT $275,665 $352,950 $426,625 $530,150
DONLEY $275,665 $352,950 $426,625 $530,150
DUVAL $275,665 $352,950 $426,625 $530,150
EASTLAND $275,665 $352,950 $426,625 $530,150
ECTOR $275,665 $352,950 $426,625 $530,150
EDWARDS $275,665 $352,950 $426,625 $530,150
EL PASO $275,665 $352,950 $426,625 $530,150
ELLIS $362,250 $463,750 $560,550 $696,650
ERATH $275,665 $352,950 $426,625 $530,150
FALLS $275,665 $352,950 $426,625 $530,150
FANNIN $275,665 $352,950 $426,625 $530,150
FAYETTE $275,665 $352,950 $426,625 $530,150
FISHER $275,665 $352,950 $426,625 $530,150
FLOYD $275,665 $352,950 $426,625 $530,150
FOARD $275,665 $352,950 $426,625 $530,150
FORT BEND $331,200 $424,000 $512,500 $636,900
FRANKLIN $275,665 $352,950 $426,625 $530,150
FREESTONE $275,665 $352,950 $426,625 $530,150
FRIO $275,665 $352,950 $426,625 $530,150
GAINES $275,665 $352,950 $426,625 $530,150
GALVESTON $331,200 $424,000 $512,500 $636,900
GARZA $275,665 $352,950 $426,625 $530,150
GILLESPIE $281,750 $360,700 $436,000 $541,800
GLASSCOCK $275,665 $352,950 $426,625 $530,150
GOLIAD $275,665 $352,950 $426,625 $530,150
GONZALES $275,665 $352,950 $426,625 $530,150
GRAY $275,665 $352,950 $426,625 $530,150
GRAYSON $275,665 $352,950 $426,625 $530,150
GREGG $275,665 $352,950 $426,625 $530,150
GRIMES $275,665 $352,950 $426,625 $530,150
GUADALUPE $327,750 $419,550 $507,150 $630,300
HALE $275,665 $352,950 $426,625 $530,150
HALL $275,665 $352,950 $426,625 $530,150
HAMILTON $275,665 $352,950 $426,625 $530,150
HANSFORD $275,665 $352,950 $426,625 $530,150
HARDEMAN $275,665 $352,950 $426,625 $530,150
HARDIN $275,665 $352,950 $426,625 $530,150
HARRIS $331,200 $424,000 $512,500 $636,900
HARRISON $275,665 $352,950 $426,625 $530,150
HARTLEY $275,665 $352,950 $426,625 $530,150
HASKELL $275,665 $352,950 $426,625 $530,150
HAYS $361,100 $462,250 $558,750 $694,400
HEMPHILL $275,665 $352,950 $426,625 $530,150
HENDERSON $275,665 $352,950 $426,625 $530,150
HIDALGO $275,665 $352,950 $426,625 $530,150
HILL $275,665 $352,950 $426,625 $530,150
HOCKLEY $275,665 $352,950 $426,625 $530,150
HOOD $362,250 $463,750 $560,550 $696,650
HOPKINS $275,665 $352,950 $426,625 $530,150
HOWARD $275,665 $352,950 $426,625 $530,150
HUDSPETH $275,665 $352,950 $426,625 $530,150
HUNT $362,250 $463,750 $560,550 $696,650
HUTCHINSON $275,665 $352,950 $426,625 $530,150
IRION $275,665 $352,950 $426,625 $530,150
JACK $275,665 $352,950 $426,625 $530,150
JACKSON $275,665 $352,950 $426,625 $530,150
JASPER $275,665 $352,950 $426,625 $530,150
JEFF DAVIS $275,665 $352,950 $426,625 $530,150
JEFFERSON $275,665 $352,950 $426,625 $530,150
JIM HOGG $275,665 $352,950 $426,625 $530,150
JIM WELLS $275,665 $352,950 $426,625 $530,150
JOHNSON $362,250 $463,750 $560,550 $696,650
JONES $275,665 $352,950 $426,625 $530,150
KARNES $275,665 $352,950 $426,625 $530,150
KAUFMAN $362,250 $463,750 $560,550 $696,650
KENDALL $327,750 $419,550 $507,150 $630,300
KENEDY $275,665 $352,950 $426,625 $530,150
KENT $275,665 $352,950 $426,625 $530,150
KERR $275,665 $352,950 $426,625 $530,150
KIMBLE $275,665 $352,950 $426,625 $530,150
KING $275,665 $352,950 $426,625 $530,150
KINNEY $275,665 $352,950 $426,625 $530,150
KLEBERG $275,665 $352,950 $426,625 $530,150
KNOX $275,665 $352,950 $426,625 $530,150
LA SALLE $275,665 $352,950 $426,625 $530,150
LAMAR $275,665 $352,950 $426,625 $530,150
LAMB $275,665 $352,950 $426,625 $530,150
LAMPASAS $275,665 $352,950 $426,625 $530,150
LAVACA $275,665 $352,950 $426,625 $530,150
LEE $275,665 $352,950 $426,625 $530,150
LEON $275,665 $352,950 $426,625 $530,150
LIBERTY $331,200 $424,000 $512,500 $636,900
LIMESTONE $275,665 $352,950 $426,625 $530,150
LIPSCOMB $275,665 $352,950 $426,625 $530,150
LIVE OAK $275,665 $352,950 $426,625 $530,150
LLANO $275,665 $352,950 $426,625 $530,150
LOVING $275,665 $352,950 $426,625 $530,150
LUBBOCK $275,665 $352,950 $426,625 $530,150
LYNN $275,665 $352,950 $426,625 $530,150
MADISON $275,665 $352,950 $426,625 $530,150
MARION $275,665 $352,950 $426,625 $530,150
MARTIN $285,200 $365,100 $441,300 $548,450
MASON $275,665 $352,950 $426,625 $530,150
MATAGORDA $275,665 $352,950 $426,625 $530,150
MAVERICK $275,665 $352,950 $426,625 $530,150
MCCULLOCH $275,665 $352,950 $426,625 $530,150
MCLENNAN $275,665 $352,950 $426,625 $530,150
MCMULLEN $275,665 $352,950 $426,625 $530,150
MEDINA $327,750 $419,550 $507,150 $630,300
MENARD $275,665 $352,950 $426,625 $530,150
MIDLAND $285,200 $365,100 $441,300 $548,450
MILAM $275,665 $352,950 $426,625 $530,150
MILLS $275,665 $352,950 $426,625 $530,150
MITCHELL $275,665 $352,950 $426,625 $530,150
MONTAGUE $275,665 $352,950 $426,625 $530,150
MONTGOMERY $331,200 $424,000 $512,500 $636,900
MOORE $275,665 $352,950 $426,625 $530,150
MORRIS $275,665 $352,950 $426,625 $530,150
MOTLEY $275,665 $352,950 $426,625 $530,150
NACOGDOCHES $275,665 $352,950 $426,625 $530,150
NAVARRO $275,665 $352,950 $426,625 $530,150
NEWTON $275,665 $352,950 $426,625 $530,150
NOLAN $275,665 $352,950 $426,625 $530,150
NUECES $275,665 $352,950 $426,625 $530,150
OCHILTREE $275,665 $352,950 $426,625 $530,150
OLDHAM $275,665 $352,950 $426,625 $530,150
ORANGE $275,665 $352,950 $426,625 $530,150
PALO PINTO $275,665 $352,950 $426,625 $530,150
PANOLA $275,665 $352,950 $426,625 $530,150
PARKER $362,250 $463,750 $560,550 $696,650
PARMER $275,665 $352,950 $426,625 $530,150
PECOS $275,665 $352,950 $426,625 $530,150
POLK $275,665 $352,950 $426,625 $530,150
POTTER $275,665 $352,950 $426,625 $530,150
PRESIDIO $275,665 $352,950 $426,625 $530,150
RAINS $275,665 $352,950 $426,625 $530,150
RANDALL $275,665 $352,950 $426,625 $530,150
REAGAN $275,665 $352,950 $426,625 $530,150
REAL $275,665 $352,950 $426,625 $530,150
RED RIVER $275,665 $352,950 $426,625 $530,150
REEVES $275,665 $352,950 $426,625 $530,150
REFUGIO $275,665 $352,950 $426,625 $530,150
ROBERTS $275,665 $352,950 $426,625 $530,150
ROBERTSON $275,665 $352,950 $426,625 $530,150
ROCKWALL $362,250 $463,750 $560,550 $696,650
RUNNELS $275,665 $352,950 $426,625 $530,150
RUSK $275,665 $352,950 $426,625 $530,150
SABINE $275,665 $352,950 $426,625 $530,150
SAN AUGUSTINE $275,665 $352,950 $426,625 $530,150
SAN JACINTO $275,665 $352,950 $426,625 $530,150
SAN PATRICIO $275,665 $352,950 $426,625 $530,150
SAN SABA $275,665 $352,950 $426,625 $530,150
SCHLEICHER $275,665 $352,950 $426,625 $530,150
SCURRY $275,665 $352,950 $426,625 $530,150
SHACKELFORD $275,665 $352,950 $426,625 $530,150
SHELBY $275,665 $352,950 $426,625 $530,150
SHERMAN $275,665 $352,950 $426,625 $530,150
SMITH $275,665 $352,950 $426,625 $530,150
SOMERVELL $362,250 $463,750 $560,550 $696,650
STARR $275,665 $352,950 $426,625 $530,150
STEPHENS $275,665 $352,950 $426,625 $530,150
STERLING $275,665 $352,950 $426,625 $530,150
STONEWALL $275,665 $352,950 $426,625 $530,150
SUTTON $275,665 $352,950 $426,625 $530,150
SWISHER $275,665 $352,950 $426,625 $530,150
TARRANT $362,250 $463,750 $560,550 $696,650
TAYLOR $275,665 $352,950 $426,625 $530,150
TERRELL $275,665 $352,950 $426,625 $530,150
TERRY $275,665 $352,950 $426,625 $530,150
THROCKMORTON $275,665 $352,950 $426,625 $530,150
TITUS $275,665 $352,950 $426,625 $530,150
TOM GREEN $275,665 $352,950 $426,625 $530,150
TRAVIS $361,100 $462,250 $558,750 $694,400
TRINITY $275,665 $352,950 $426,625 $530,150
TYLER $275,665 $352,950 $426,625 $530,150
UPSHUR $275,665 $352,950 $426,625 $530,150
UPTON $275,665 $352,950 $426,625 $530,150
UVALDE $275,665 $352,950 $426,625 $530,150
VAL VERDE $275,665 $352,950 $426,625 $530,150
VAN ZANDT $275,665 $352,950 $426,625 $530,150
VICTORIA $275,665 $352,950 $426,625 $530,150
WALKER $275,665 $352,950 $426,625 $530,150
WALLER $331,200 $424,000 $512,500 $636,900
WARD $275,665 $352,950 $426,625 $530,150
WASHINGTON $275,665 $352,950 $426,625 $530,150
WEBB $275,665 $352,950 $426,625 $530,150
WHARTON $275,665 $352,950 $426,625 $530,150
WHEELER $275,665 $352,950 $426,625 $530,150
WICHITA $275,665 $352,950 $426,625 $530,150
WILBARGER $275,665 $352,950 $426,625 $530,150
WILLACY $275,665 $352,950 $426,625 $530,150
WILLIAMSON $361,100 $462,250 $558,750 $694,400
WILSON $327,750 $419,550 $507,150 $630,300
WINKLER $275,665 $352,950 $426,625 $530,150
WISE $362,250 $463,750 $560,550 $696,650
WOOD $275,665 $352,950 $426,625 $530,150
YOAKUM $275,665 $352,950 $426,625 $530,150
YOUNG $275,665 $352,950 $426,625 $530,150
ZAPATA $275,665 $352,950 $426,625 $530,150
ZAVALA $275,665 $352,950 $426,625 $530,150

Higher Caps in Metro Areas: Austin, Dallas, Houston, etc.

One thing you’ll notice about this table is that the 2017 FHA loan limits are higher in Texas counties that are part of a major metropolitan area. For most of the Lone Star State, the maximum FHA loan size is $275,665. But in the counties around Dallas, Houston, Austin and San Antonio, the caps increase by $40,000 or more.

The highest FHA loan limit in the entire state of Texas occurs in the Dallas-Forth Worth metropolitan area, where it is currently set at $362,250 for 2017. That’s more than $80,000 higher than the statewide average of $275,665. This is due to the higher home prices (particularly the median sale price) found in those areas.

The Houston metro area also has higher limits due to local property values. The maximum FHA loan amount for a single-family home in the Houston, Texas area (Harris County) is $331,200.

Disclaimers: We strive for complete accuracy on this website, but there is always a chance that human and data-based errors may have occurred during the creation of this page. We encourage you to visit the official sources for 2017 Texas loan limits. You can find the maximum conforming amounts on the FHFA.gov website. The FHA limits can be found on HUD.gov. The information above is deemed reliable but not guaranteed.