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Texas FHA Home Mortgage Loans

Texas FHA Loan Requirements - 2020 FHA Loan Limits - Calculate Your Payment
Low Interest Rates - Easy Qualification Guidelines - Fast and Easy Processing

Texas FHA Loans | Requirements | Loan Limits | Apply

Our goal is to provide you with all of the information and tools you need in order to determine if a FHA loan is right for you. On this page, you can view the 2020 Texas FHA loan guidelines, view loan limits by county, and calculate your monthly payment.  These guidelines include the FHA requirements related to credit history, income, employment, and the type of property you want to purchase.  After reading the loan requirements and loan limits, you can use our detailed FHA calculator, which will allow you to see what your monthly payment, mortgage insurance, and monthly escrow will be.

One of the most common questions people ask is regarding where in Texas FHA loans are available. They are available throughout every county of the state, and you can view the max lending limits for your county below.  FHA mortgages are especially popular in cities and larger towns, such as: Arlington, Austin, Dallas, Fort Worth, El Paso, Frisco, Garland, Houston, Laredo, Lubbock, Plano, San Antonio, and Waco .  You can finance a home purchase with a FHA loan in any part of the Lone Star State, including rural areas.

Texas FHA Loan Requirements

Keep in mind that each application is looked at individually, and FHA loans have a considerable amount of leniency in what is required for an approval. There are some concrete loan requirements set out by the FHA though, which dictates what loans they will insure. The following information is written in the context of buying a home with a FHA loan. If you already have a FHA loan, or if you wish to refinance into a FHA loan, please click here to learn about FHA refinancing.

The mandatory Texas FHA loan requirements for a home purchase are as follows:

  • Primary Residence – You must occupy the home that you intend to purchase and have it be your primary residence. The FHA does not insure investment properties. Multifamily homes are allowed, which can have up to 4 units, but you must occupy at least one of them for it to be eligible for a FHA home loan in Texas.
  • Credit Score – A credit score of 580 or higher is needed for FHA loans.  This includes first time home buyer mortgages, repeat buyer loans, and any FHA refinance program.
  • Job History – Proof of employment for 2 years is required. It is ok if you have changed jobs, but you need to show consistency of income.
  • Income Documentation – Pay stubs and tax returns are required to show employment income, as well as bank statements, including your checking or savings accounts.
  • DTI Ratio – Your monthly debts, including your new mortgage payment, must not exceed 43% of your bring home income.  What you want to do is calculate all of your current monthly debts (do not include anything that does not show on your credit report – only those that appear on a credit report are counted).  Then, take the total of your current debts, plus what your expected new mortgage payment, and get a total.  Let’s say your current monthly debts are $750 and your new mortgage payment will be $1,000/month.  Your total monthly debts would be $1,750.  Compare this amount to your monthly income to calculate your DTI ratio.  Your monthly debts compared to your monthly income shall not exceed 43% for you to qualify for a FHA loan.

You can calculate your new FHA payment below. Not sure what your FHA interest rate will be?  We can provide you with a free consultation and rate quote.[fhacalc]

  • Price of Home – Enter the price of the home you want to buy. If you do not have a home in mind yet, just add in a number in the range you expect to want to buy a home for.
  • Mortgage – The second field titled “mortgage”, is by default on a 30 year fixed loan schedule.  This is the most common loan repayment schedule selected for FHA loans.  You can change it to 20 years, 15 years, or 10 years if you want a shorter loan amortization.
  • Interest Rate – The interest rate a borrower receives depends on their credit, income, and other qualifying factors.  To get an actual rate quote, you will need to speak with a licensed loan officer.  You can call 1-800-731-3560 to speak with a loan specialist and receive a rate quote.
  • Down Payment – FHA loans require a 3.5% down payment.  If you would like to put more down, add in more into the down payment field.  Please note that not everyone will qualify for a 3.5% down payment, and of course, not all applicants are approved for a loan at all.  The 3.5% is the amount that many FHA loan applicants will be allowed as a minimum down payment.
  • Property Taxes – Add the annual taxes for the home you want to buy.  To find out how much the annual property taxes are, check with the county assessor.  You can also ask a real estate agent to help you find out what the exact annual property taxes are for a home you are interested in.
  • Annual Insurance – The amount that the annual homeowners insurance will cost depends on the property you intend to buy, your homeowners insurance claim history (if you have owned a home before, and had to make a claim), and the specific homeowners insurance company that you select to insure your home.
  • Down Payment – This is the percentage that is calculated based upon the home purchase price and the down payment amount.

After submitting information into these fields, it will calculate how much the FHA mortgage payment will be based upon what is entered.  The next set of data presented on the right side and shows under the total monthly payment is as follows:

  • FHA Base Loan Amount -This is the amount of your loan after subtracting your down payment from the total, but prior to adding in the FHA upfront mortgage insurance premium (UPMIP).
  • FHA Upfront MIP – All FHA loans require a 1.75% upfront mortgage insurance premium to be paid. This is calculated from the base loan amount. This 1.75% is the same for any borrower and on any type of FHA loan. It does not vary from one FHA lender to another.
  • FHA Total Loan Amount – This is the combined total of your FHA base loan amount (after subtracting the down payment), along with the FHA UPMIP. You have the option to pay the FHA UPMIP amount out of pocket, or you can wrap it into the loan amount.  Most decide to include it in the loan amount, so we have it automatically added on the calculator.
  • Principle and Interest – This is the amount of your mortgage payment before adding mortgage insurance, and property taxes, and property insurance.
  • FHA MIP – This is the monthly mortgage insurance premiums required on all FHA loans.   The amount depends on the type of loan, how many years the repayment schedule is (such as 15 years or 30 years), and the loan-to-value (LTV) ratio.  A 15 year loan with a LTV less than 90%, the monthly MIP will be 0.45%.  A 15 year loan with a LTV greater than 90%, the monthly MIP will be 0.70%.  For a 30 year loan with a LTV less than 95% the monthly MIP is 0.80%.  For a 30 year loan with a LTV greater than 95%, the monthly MIP is 0.85%.
  • Monthly Escrow – This is how much your property taxes and property insurance is after taking the annual amounts and dividing them by 12 monthly payments.

Would you like to receive more information or apply for a FHA loan?

Texas FHA Loan Limits for 2020

The lending limits for a FHA loan are set at the county level. Find your county below and match it to how many units the property you want to buy is (1-4 units).

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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