Texas Loan Limits in 2021: Maximum Amount for VA, FHA and Conforming

Below, you will find the 2021 conforming, FHA and VA loan limits for all counties in Texas. On the conforming side, there is a single maximum amount for every county in the state. (This applies to VA loans as well, since those limits are aligned with conforming.) But on the FHA side, the loan limits vary from one county to the next due to home-price variations.

Conforming Limits for Texas

Texas conforming loan limits are established by the Federal Housing Finance Agency (FHFA). These maximum amounts apply to conventional mortgage loans that are not insured by the government.

The maximum 2021 conforming loan limit in Texas is $548,250 for a single-family home. There are higher caps in place for multi-family properties, as shown in the table below.

Here are the 2021 conforming loan limits for all Texas counties:


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.

Maximum VA Mortgage Amount

As they’ve done for the last couple of years, the Department of Veterans Affairs will use the conforming loan limits established by the FHFA in 2021. This means that some borrowers in Texas who want to use a VA-guaranteed home loan will encounter the same limits shown above.

The 2021 VA loan limit for all Texas counties is $548,250.

But there’s an important distinction to be made here:

  • If you’ve never used the VA loan program before — or if you’ve used it but paid off the loan through the sale of your home — you probably have “full entitlement.” That means there is no official VA loan limit for you.
  • If you have an active VA loan that you’re still paying back — or if you paid it off but still live in the home — you probably have “remaining entitlement.” This means you would be limited to the 2021 VA loan limit shown above.

Learn more about these new VA rules

FHA Loan Limits in 2021

The 2021 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 counties in Texas, the 2021 FHA lending limit is $356,362 for a single-family home.

Austin area: For the five counties that fall within the Austin metropolitan statistical area, the 2021 FHA loan limit is $356,362 (for a single-family property). This applies to Bastrop, Caldwell, Hays, Travis and Williamson counties.

Dallas area: The 13 counties that make up the Dallas-Forth Worth-Arlington metro area have a 2021 FHA loan limit of $411,700, for a single-family property. This cap applies to Collin, Dallas, Denton, Ellis, Hood, Hunt, Johnson, Kaufman, Parker, Rockwall, Somervell, Tarrant and Wise counties.

Houston area: For the nine counties within the Houston-The Woodlands-Sugarland metro area, the 2021 FHA loan limit for a single-family home purchase is $356,362. This applies to the following counties: Austin, Brazoria, Chambers, Fort Bend, Galveston, Harris, Liberty, Montgomery and Waller.

San Antonio area: The eight Texas counties that are located within the San Antonio-New Braunfels metropolitan area have a 2021 FHA loan limit of $403,650. This lending limit applies to Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina and Wilson counties. 

Disclaimers: We strive for complete accuracy on this website, but there is always a chance that human and/or data-based errors may have occurred during the creation of this page. We encourage you to visit the official sources for 2021 conventional conforming loan limits in Texas. 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.