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Texas FHA Home Loans

FHA Mortgage Loan Programs in Texas
FHA Loan Requirements - 2020 FHA Loan Limits

Texas FHA Loans | Requirements | 2020 FHA Loan Limits

FHA loans provide a great opportunity to buy a home in Texas.  The FHA (Federal Housing Administration) was created to help the average American have a chance at owning their own home.  One of the reasons that FHA loans are so popular is because of the low down payment option.  FHA loans allow you to purchase a home with only a 3.5% down payment.  There are also less strict requirements to get an FHA loan (compared to conventional loans), such as being able to qualify with a credit score as low as 500.

Texas FHA Loan Requirements

Below are some of the basic requirements to get an FHA loan in Texas.  If you would like to find out if you are eligible for an FHA loan, we can help match you with a lender.  To have an FHA lender contact you, request a free consultation.

  • Credit Score – To qualify for the 3.5% down payment, you must have a 580 credit score or higher. If your credit score is between a 500-579, you still may qualify for an FHA loan, but will be required to put 10% down.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistent employment/income.
  • Financial Statements – You should expect to be required to provide your 2 most recent bank statements, pay stubs, and tax returns.
  • Debt-to-Income – You can not have a debt-to-income ratio higher than 43%.  However, if you have “compensating factors” you might be able to get approved with higher debt levels (a compensating factor could be more money in savings, longer job history, or great credit).
  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. FHA loans are not available to purchase an investment property, second home, or vacation home.
  • Mortgage Insurance – All FHA loans, regardless of the lender, require two types of mortgage insurance.  This includes the UPMIP (Upfront Mortgage Insurance Premium) and the regular MIP (Mortgage Insurance Premium).  FHA MIP acts similarly to how PMI (Private Mortgage Insurance) on a conventional loan acts.  You can use this FHA loan calculator to estimate your monthly payment and mortgage insurance costs.
  • FHA Loan Limits – FHA loans have maximum lending limits, which are set at the county level. You can view the 2020 FHA loan limits for all counties in Texas below.

Would you like to see if you qualify for an FHA loan?  We can help match you with a mortgage lender that offers FHA loans in Texas.  To have an FHA lender contact you, request a free consultation.

2020 Texas FHA Loan Limits

Below are the 2020 FHA loan limits for every county in Texas:

County Single Family 2 Family 3 Family 4 Family
ANDERSON $331,760 $424,800 $513,450 $638,100
ANDREWS $331,760 $424,800 $513,450 $638,100
ANGELINA $331,760 $424,800 $513,450 $638,100
ARANSAS $331,760 $424,800 $513,450 $638,100
ARCHER $331,760 $424,800 $513,450 $638,100
ARMStrONG $331,760 $424,800 $513,450 $638,100
ATASCOSA $393,300 $503,500 $608,600 $756,350
AUSTIN $331,200 $424,000 $512,500 $636,900
BAILEY $331,760 $424,800 $513,450 $638,100
BANDERA $393,300 $503,500 $608,600 $756,350
BAStrOP $404,800 $518,200 $626,400 $778,450
BAYLOR $331,760 $424,800 $513,450 $638,100
BEE $331,760 $424,800 $513,450 $638,100
BELL $331,760 $424,800 $513,450 $638,100
BEXAR $393,300 $503,500 $608,600 $756,350
BLANCO $331,760 $424,800 $513,450 $638,100
BORDEN $331,760 $424,800 $513,450 $638,100
BOSQUE $331,760 $424,800 $513,450 $638,100
BOWIE $331,760 $424,800 $513,450 $638,100
BRAZORIA $331,200 $424,000 $512,500 $636,900
BRAZOS $331,760 $424,800 $513,450 $638,100
BREWSTER $331,760 $424,800 $513,450 $638,100
BRISCOE $331,760 $424,800 $513,450 $638,100
BROOKS $331,760 $424,800 $513,450 $638,100
BROWN $331,760 $424,800 $513,450 $638,100
BURLESON $331,760 $424,800 $513,450 $638,100
BURNET $331,760 $424,800 $513,450 $638,100
CALDWELL $404,800 $518,200 $626,400 $778,450
CALHOUN $331,760 $424,800 $513,450 $638,100
CALLAHAN $331,760 $424,800 $513,450 $638,100
CAMERON $331,760 $424,800 $513,450 $638,100
CAMP $331,760 $424,800 $513,450 $638,100
CARSON $331,760 $424,800 $513,450 $638,100
CASS $331,760 $424,800 $513,450 $638,100
CAStrO $331,760 $424,800 $513,450 $638,100
CHAMBERS $331,200 $518,200 $626,400 $636,900
CHEROKEE $331,760 $424,800 $513,450 $638,100
CHILDRESS $331,760 $424,800 $513,450 $638,100
CLAY $331,760 $424,800 $513,450 $638,100
COCHRAN $331,760 $424,800 $513,450 $638,100
COKE $331,760 $424,800 $513,450 $638,100
COLEMAN $331,760 $424,800 $513,450 $638,100
COLLIN $404,800 $518,200 $626,400 $778,450
COLLINGSWORTH $331,760 $424,800 $513,450 $638,100
COLORADO $331,760 $424,800 $513,450 $638,100
COMAL $393,300 $503,500 $608,600 $756,350
COMANCHE $331,760 $352,950 $513,450 $638,100
CONCHO $331,760 $424,800 $513,450 $638,100
COOKE $331,760 $424,800 $513,450 $638,100
CORYELL $331,760 $424,800 $513,450 $638,100
COTTLE $331,760 $424,800 $513,450 $638,100
CRANE $331,760 $424,800 $513,450 $638,100
CROCKETT $331,760 $424,800 $513,450 $638,100
CROSBY $331,760 $424,800 $513,450 $638,100
CULBERSON $331,760 $424,800 $513,450 $638,100
DALLAM $331,760 $424,800 $513,450 $638,100
DALLAS $404,800 $518,200 $626,400 $778,450
DAWSON $331,760 $424,800 $513,450 $638,100
DEAF SMITH $331,760 $424,800 $513,450 $638,100
DELTA $331,760 $424,800 $513,450 $638,100
DENTON $404,800 $518,200 $626,400 $778,450
DEWITT $331,760 $424,800 $513,450 $638,100
DICKENS $331,760 $424,800 $513,450 $638,100
DIMMIT $331,760 $424,800 $513,450 $638,100
DONLEY $331,760 $424,800 $513,450 $638,100
DUVAL $331,760 $424,800 $513,450 $638,100
EASTLAND $331,760 $424,800 $513,450 $638,100
ECTOR $331,760 $424,800 $513,450 $638,100
EDWARDS $331,760 $424,800 $513,450 $638,100
EL PASO $331,760 $424,800 $513,450 $638,100
ELLIS $404,800 $518,200 $626,400 $778,450
ERATH $331,760 $424,800 $513,450 $638,100
FALLS $331,760 $424,800 $513,450 $638,100
FANNIN $331,760 $424,800 $513,450 $638,100
FAYETTE $331,760 $424,800 $513,450 $638,100
FISHER $331,760 $424,800 $513,450 $638,100
FLOYD $331,760 $424,800 $513,450 $638,100
FOARD $331,760 $424,800 $513,450 $638,100
FORT BEND $331,200 $424,000 $512,500 $636,900
FRANKLIN $331,760 $424,800 $513,450 $638,100
FREESTONE $331,760 $424,800 $513,450 $638,100
FRIO $331,760 $424,800 $513,450 $638,100
GALVESTON $331,200 $424,000 $512,500 $636,900
GARZA $331,760 $424,800 $513,450 $638,100
GILLESPIE $331,760 $424,800 $513,450 $638,100
GLASSCOCK $331,760 $424,800 $513,450 $638,100
GOLIAD $331,760 $424,800 $513,450 $638,100
GONZALES $331,760 $424,800 $513,450 $638,100
GRAY $331,760 $424,800 $513,450 $638,100
GRAYSON $331,760 $424,800 $513,450 $638,100
GREGG $331,760 $424,800 $513,450 $638,100
GRIMES $331,760 $424,800 $513,450 $638,100
GAUDALUPE $393,300 $503,500 $608,600 $756,350
HALE $331,760 $424,800 $513,450 $638,100
HALL $331,760 $424,800 $513,450 $638,100
HAMILTON $331,760 $424,800 $513,450 $638,100
HANSFORD $331,760 $424,800 $513,450 $638,100
HARDEMAN $331,760 $424,800 $513,450 $638,100
HARDIN $331,760 $424,800 $513,450 $638,100
HARRIS $331,200 $424,000 $512,500 $636,900
HARRISON $331,760 $424,800 $513,450 $638,100
HARTLEY $331,760 $424,800 $513,450 $638,100
HASKELL $331,760 $424,800 $513,450 $638,100
HAYS $404,800 $518,200 $626,400 $778,450
HEMPHILL $331,760 $424,800 $513,450 $638,100
HENDERSON $331,760 $424,800 $513,450 $638,100
HIDALGO $331,760 $424,800 $513,450 $638,100
HILL $331,760 $424,800 $513,450 $638,100
HOCKLEY $331,760 $424,800 $513,450 $638,100
HOOD $404,800 $518,200 $626,400 $778,450
HOPKINS $331,760 $424,800 $513,450 $638,100
HOUSTON $331,760 $424,800 $513,450 $638,100
HOWARD $331,760 $424,800 $513,450 $638,100
HUDSPETH $331,760 $424,800 $513,450 $638,100
HUNT $404,800 $518,200 $626,400 $778,450
HUTCHINSON $331,760 $424,800 $513,450 $638,100
IRION $331,760 $424,800 $513,450 $638,100
JACK $331,760 $424,800 $513,450 $638,100
JACKSON $331,760 $424,800 $513,450 $638,100
JASPER $331,760 $424,800 $513,450 $638,100
JEFF DAVIS $331,760 $424,800 $513,450 $638,100
JEFFERSON $331,760 $424,800 $513,450 $638,100
JIM HOGG $331,760 $424,800 $513,450 $638,100
JIM WELLS $331,760 $424,800 $513,450 $638,100
JOHNSON $404,800 $518,200 $626,400 $778,450
JONES $331,760 $424,800 $513,450 $638,100
KARNES $331,760 $424,800 $513,450 $638,100
KAUFMAN $404,800 $518,200 $626,400 $778,450
KENDALL $393,300 $503,500 $608,600 $756,350
KENEDY $331,760 $424,800 $513,450 $638,100
KENT $331,760 $424,800 $513,450 $638,100
KERR $331,760 $424,800 $513,450 $638,100
KIMBLE $331,760 $424,800 $513,450 $638,100
KING $331,760 $424,800 $513,450 $638,100
KINNEY $331,760 $424,800 $513,450 $638,100
KLEBERG $331,760 $424,800 $513,450 $638,100
KNOX $331,760 $424,800 $513,450 $638,100
LA SALLE $331,760 $424,800 $513,450 $638,100
LAMAR $331,760 $424,800 $513,450 $638,100
LAMB $331,760 $424,800 $513,450 $638,100
LAMPASAS $331,760 $424,800 $513,450 $638,100
LAVACA $331,760 $424,800 $513,450 $638,100
LEE $331,760 $424,800 $513,450 $638,100
LEON $331,760 $424,800 $513,450 $638,100
LIBERTY $331,200 $424,000 $512,500 $636,900
LIMESTONE $331,760 $424,800 $513,450 $638,100
LIPSCOMB $331,760 $424,800 $513,450 $638,100
LIVE OAK $331,760 $424,800 $513,450 $638,100
LLANO $331,760 $424,800 $513,450 $638,100
LOVING $331,760 $424,800 $513,450 $638,100
LUBBOCK $331,760 $424,800 $513,450 $638,100
LYNN $331,760 $424,800 $513,450 $638,100
MADISON $331,760 $424,800 $513,450 $638,100
MARION $331,760 $424,800 $513,450 $638,100
MARTIN $341,550 $437,250 $528,500 $656,800
MASON $331,760 $424,800 $513,450 $638,100
MATAGORDA $331,760 $424,800 $513,450 $638,100
MAVERICK $331,760 $424,800 $513,450 $638,100
MCCULLOCH $331,760 $424,800 $513,450 $638,100
MCLENNAN $331,760 $424,800 $513,450 $638,100
MCMULLEN $331,760 $424,800 $513,450 $638,100
MEDINA $393,300 $503,500 $608,600 $756,350
MENARD $331,760 $424,800 $513,450 $638,100
MIDLAND $331,760 $424,800 $365,100 $441,300
MILAM $331,760 $424,800 $513,450 $638,100
MILLS $331,760 $424,800 $513,450 $638,100
MITCHELL $331,760 $424,800 $513,450 $638,100
MONTAGUE $331,760 $424,800 $513,450 $638,100
MONTGOMERY $331,200 $424,000 $512,500 $636,900
MOORE $331,760 $424,800 $513,450 $638,100
MORRIS $331,760 $424,800 $513,450 $638,100
MOTLEY $331,760 $424,800 $513,450 $638,100
NACOGDCHES $331,760 $424,800 $513,450 $638,100
NAVARRO $331,760 $424,800 $513,450 $638,100
NEWTON $331,760 $424,800 $513,450 $638,100
NOLAN $331,760 $424,800 $513,450 $638,100
NUECES $331,760 $424,800 $513,450 $638,100
OCHILtrEE $331,760 $424,800 $513,450 $638,100
OLDHAM $331,760 $424,800 $513,450 $638,100
ORANGE $331,760 $424,800 $513,450 $638,100
PALO PINTO $331,760 $377,O75 $513,450 $638,100
PANOLA $331,760 $424,800 $513,450 $638,100
PARKER $404,800 $518,200 $626,400 $778,450
PARMER $331,760 $424,800 $513,450 $638,100
PECOS $331,760 $424,800 $513,450 $638,100
POLK $331,760 $424,800 $513,450 $638,100
POTTER $331,760 $424,800 $513,450 $638,100
PRESIDIO $331,760 $424,800 $513,450 $638,100
RAINS $331,760 $424,800 $513,450 $638,100
RANDALL $331,760 $424,800 $513,450 $638,100
REAGAN $331,760 $424,800 $513,450 $638,100
REAL $331,760 $424,800 $513,450 $638,100
RED RIVER $331,760 $424,800 $513,450 $638,100
REEVES $331,760 $424,800 $513,450 $638,100
REDUGIO $331,760 $424,800 $513,450 $638,100
ROBERTS $331,760 $424,800 $513,450 $638,100
ROBERTSON $331,760 $424,800 $513,450 $638,100
ROCKWALL $404,800 $518,200 $626,400 $778,450
RUNNELS $331,760 $424,800 $513,450 $638,100
RUSK $331,760 $424,800 $513,450 $638,100
SABINE $331,760 $424,800 $513,450 $638,100
SAN AUGUSTINE $331,760 $424,800 $513,450 $638,100
SAN JACINTO $331,760 $424,800 $513,450 $638,100
SAN SABA $331,760 $424,800 $513,450 $638,100
SCHLEICHER $331,760 $424,800 $513,450 $638,100
SCURRY $331,760 $424,800 $513,450 $638,100
SHACKELFORD $331,760 $424,800 $513,450 $638,100
SHELBY $331,760 $424,800 $513,450 $638,100
SHERMAN $331,760 $424,800 $513,450 $638,100
SMITH $331,760 $424,800 $513,450 $638,100
SOMERVELL $404,800 $518,200 $626,400 $778,450
STARR $331,760 $424,800 $513,450 $638,100
STEPHENS $331,760 $424,800 $513,450 $638,100
STERLING $331,760 $424,800 $513,450 $638,100
STONEWALL $331,760 $424,800 $513,450 $638,100
SUTTON $331,760 $424,800 $513,450 $638,100
SWISHER $331,760 $424,800 $513,450 $638,100
TARRANT $404,800 $518,200 $626,400 $778,450
TAYLOR $331,760 $424,800 $513,450 $638,100
TERRELL $331,760 $424,800 $513,450 $638,100
TERRY $331,760 $424,800 $513,450 $638,100
THROCKMORTON $331,760 $424,800 $513,450 $638,100
TITUS $331,760 $424,800 $513,450 $638,100
TOM GREEN $331,760 $424,800 $513,450 $638,100
trAVIS $404,800 $518,200 $626,400 $778,450
trINITY $331,760 $424,800 $513,450 $638,100
TYLER $331,760 $424,800 $513,450 $638,100
UPSHER $331,760 $424,800 $513,450 $638,100
UPTON $331,760 $424,800 $513,450 $638,100
UVALDE $331,760 $424,800 $513,450 $638,100
VAL VERDE $331,760 $424,800 $513,450 $638,100
VAN ZANDT $331,760 $424,800 $513,450 $638,100
VICTORIA $331,760 $424,800 $513,450 $638,100
WALKER $331,760 $424,800 $513,450 $638,100
WALLER $331,200 $424,000 $512,500 $636,900
WARD $331,760 $424,800 $513,450 $638,100
WASHINGTON $331,760 $424,800 $513,450 $638,100
WEBB $331,760 $424,800 $513,450 $638,100
WHARTON $331,760 $424,800 $513,450 $638,100
WHEELER $331,760 $424,800 $513,450 $638,100
WICHITA $331,760 $424,800 $513,450 $638,100
WILBARGER $331,760 $424,800 $513,450 $638,100
WILLACY $331,760 $424,800 $513,450 $638,100
WILLIAMSON $404,800 $518,200 $626,400 $778,450
WILSON $393,300 $503,500 $608,600 $756,350
WINKLER $331,760 $424,800 $513,450 $638,100
WISE $404,800 $518,200 $626,400 $778,450
WOOD $331,760 $424,800 $513,450 $638,100
YOAKUM $331,760 $424,800 $513,450 $638,100
YOUNGELL $331,760 $424,800 $513,450 $638,100
ZAPATA $331,760 $424,800 $513,450 $638,100
ZAVALA $331,760 $424,800 $513,450 $638,100

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