Texas Loan Limits in 2019: Maximum Amount for VA, FHA and Conforming

Below, you will find the 2019 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 2019 conforming loan limit in Texas is $484,350 for a single-family home. There are higher caps for multi-family properties, as shown in the table below.

Here are the 2019 conforming loan limits for all Texas counties:

1-Unit2-Unit3-Unit4-Unit
$484,350$620,200$749,650$931,600

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 2019. This means that borrowers in Texas who want to use a VA-guaranteed home loan will encounter the same limits shown above.

The 2019 VA loan limit for all Texas counties is $484,350.

Note: The Department of Veterans Affairs does not put a cap on how much a person can borrow. That’s up to the mortgage lender. But the Department does limit the amount of liability they can assume, which usually affects the amount of money a bank or mortgage lender will lend to you. So the VA loan limits for Texas represent “the amount a qualified Veteran with full entitlement may be able to borrow without making a downpayment,” according to the official website.


FHA Loan Limits in 2019

The 2019 FHA loan limits for Texas are a bit more complicated. Unlike the conforming and VA categories 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 2019 FHA lending limit is $314,827 for a single-family home.

Austin area: For the five counties that fall within the Austin metropolitan statistical area, the 2019 FHA loan limit is $389,850 (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 2019 FHA loan limit of $395,600, 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 2019 FHA loan limit for a single-family home purchase is $331,200. 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 2019 FHA loan limit of $359,950. 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 2019 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.