When you are shopping for a home in higher-priced Texas neighborhoods or looking at a multi-unit property, crossing the line between a standard conventional mortgage and a jumbo loan can change which loan rules apply to you.
This guide covers the 2026 conforming loan limits in Texas, why every county in the state shares the same baseline cap, and how these figures compare to FHA loan limits and jumbo mortgages.
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You will walk away knowing the exact 2026 borrowing cap for 1-unit to 4-unit homes in your county so you can structure your purchase price and down payment with confidence.
2026 Conforming Loan Limits in Texas
Conforming loan limits set the maximum dollar amount that Fannie Mae and Freddie Mac (the Enterprises) can acquire on a conventional mortgage. The Federal Housing Finance Agency (FHFA) announces these limits each year.
On November 25, 2025, FHFA announced the conforming loan limit values for loans acquired in calendar year 2026. For a 1-unit home, the 2026 baseline limit is $832,750, an increase of $26,250 from 2025.
While FHFA sets higher ceilings (up to $1,249,125 for a 1-unit home) in certain parts of the country where local home values are substantially higher, no Texas county is a high-cost area in 2026. According to FHFA's 2026 county loan limit list, all 254 Texas counties use the national baseline limits.
2026 Baseline Conforming Loan Limits (All 254 Texas Counties)
Because loan limits are updated annually, these represent the current published figures for 2026, and buyers should always confirm their final loan structure with a participating lender.
| Property Type | 2026 Texas Conforming Loan Limit (All Counties) | National High-Cost Ceiling (No TX Counties Qualify) |
|---|---|---|
| 1-Unit Home | $832,750 | $1,249,125 |
| 2-Unit Home | $1,066,250 | $1,599,375 |
| 3-Unit Home | $1,288,800 | $1,933,200 |
| 4-Unit Home | $1,601,750 | $2,402,625 |
Whether you are buying a single-family home in Harris County, a condo in Travis County, a townhome in Dallas or Tarrant County, or a fourplex in Bexar or El Paso County, the same 2026 baseline table applies across the entire state of Texas.
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Conforming Loan Limits by County in Texas: Why Every County Matches
Many homebuyers search for the conforming loan limit by county texas expecting to see different tiers for major metro areas like Austin, Dallas-Fort Worth, Houston, or San Antonio. That is because FHA loan limits vary across several Texas metros.
For conforming conventional loans, however, FHFA's 2026 county file places every single Texas county in the standard baseline tier. Here is what that means for your home search:
- Austin Metro (Travis, Williamson, Hays, Bastrop, Caldwell): $832,750 for 1 unit (up to $1,601,750 for 4 units).
- Dallas-Fort Worth Metro (Dallas, Tarrant, Collin, Denton, Rockwall, Kaufman, Ellis, Johnson, Parker, Hunt, Wise): $832,750 for 1 unit (up to $1,601,750 for 4 units).
- Houston Metro (Harris, Fort Bend, Montgomery, Brazoria, Galveston): $832,750 for 1 unit (up to $1,601,750 for 4 units).
- San Antonio Metro (Bexar, Comal, Guadalupe, Kendall, Medina, Wilson, Atascosa, Bandera): $832,750 for 1 unit (up to $1,601,750 for 4 units).
- All Other 225 Texas Counties: $832,750 for 1 unit (up to $1,601,750 for 4 units).
Remember that the loan limit applies to your loan amount, not your purchase price. If you buy a 1-unit home in Collin County for $925,000 and put 10% down ($92,500), your loan amount is $832,500—which stays right under the $832,750 conforming cap.
Conforming vs. Jumbo Loans in Texas
When you explore Texas home loan options, knowing where the conforming limit ends tells you where the texas jumbo loan limit begins.
A conforming loan is a conventional mortgage that stays at or below the FHFA dollar cap for the property's unit count, so Fannie Mae and Freddie Mac can acquire it.
A jumbo loan is the common name for a conventional mortgage above the FHFA conforming loan limit, meaning any 1-unit loan amount over $832,750 in Texas for 2026. Because those loans fall outside the limit Fannie Mae and Freddie Mac use, ask your lender how its jumbo credit, down payment, and reserve requirements compare.
| Feature | Conforming Conventional Loan | Jumbo Loan |
|---|---|---|
| 2026 1-Unit Loan Amount (All TX Counties) | Up to $832,750 | Above $832,750 |
| Fannie Mae / Freddie Mac Limit | Within the 2026 conforming limit | Above the 2026 conforming limit |
| Guidelines | Ask your lender | Ask your lender |
If your target home price pushes your borrowing need slightly above $832,750, you can compare jumbo loan terms against putting extra funds down to bring the base loan amount back within the conforming limit. You can also review the general requirements to buy a house in Texas to see how down payments, credit, and debt ratios work together.
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How 2026 Texas Conforming Limits Compare to Texas FHA Limits
Buyers comparing conventional financing with FHA loans in Texas often notice a large gap between the two programs' borrowing caps. While FHA loans offer flexible credit rules—such as a 3.5% minimum down payment for borrowers with a Minimum Decision Credit Score of 580 or higher, per HUD Handbook 4000.1—their maximum loan limits in Texas are lower than the conforming limits.
According to HUD's 2026 mortgage limits lookup (effective for FHA case numbers assigned on or after January 1, 2026), Texas FHA limits vary by county, while conforming limits do not.
2026 Texas Conforming vs. FHA Loan Limits (1-Unit to 4-Unit Comparison)
| Area / Program Tier | 1-Unit Limit | 2-Unit Limit | 3-Unit Limit | 4-Unit Limit |
|---|---|---|---|---|
| Conforming Limit (All 254 TX Counties) | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| FHA Limit: 229 TX Counties (National Floor, incl. Houston Metro) | $541,287 | $693,050 | $837,700 | $1,041,125 |
| FHA Limit: San Antonio-New Braunfels Metro (8 Counties) | $557,750 | $714,000 | $863,100 | $1,072,600 |
| FHA Limit: Dallas-Fort Worth-Arlington Metro (11 Counties) | $563,500 | $721,400 | $872,000 | $1,083,650 |
| FHA Limit: Austin-Round Rock-San Marcos Metro (5 Counties) | $571,550 | $731,700 | $884,450 | $1,099,150 |
| FHA Limit: Glasscock County (Non-Metro) | $813,050 | $1,040,850 | $1,258,150 | $1,563,600 |
In Houston-area counties like Harris, Fort Bend, and Montgomery, the 2026 1-unit conforming limit ($832,750) gives buyers $291,463 more in borrowing capacity than the 1-unit FHA floor ($541,287). Even in the Austin metro, where the 1-unit FHA limit is $571,550, the conforming limit is $261,200 higher.
To dig deeper into FHA county numbers and rules, read our guides on Texas FHA loan limits by county (2026) and Texas FHA loan requirements (2026). Eligible veterans and service members may also want to compare VA loans in Texas, and buyers looking for down payment help should note that state programs set their own Texas homebuyer income and purchase price limits.
What About 2027 Texas Conforming Loan Limits?
As of October 26, 2026, FHFA has not yet announced the official 2027 conforming loan limits.
For reference, FHFA announced the 2026 conforming loan limits on November 25, 2025, and HUD announced the 2026 FHA loan limits on December 11, 2025. Watch for FHFA's official 2027 figures around late November 2026.
You may see individual mortgage lenders advertise their own higher "2027 conforming loan limits" in the fall ahead of FHFA's release. Keep in mind that those early numbers are lender-specific programs, not official FHFA figures. Until FHFA publishes the 2027 county list, $832,750 remains the official 1-unit baseline conforming limit across Texas.
Next Steps for Texas Homebuyers
With a $832,750 baseline limit for 1-unit homes—and up to $1,601,750 for 4-unit properties—across all 254 Texas counties in 2026, Texas buyers borrowing at or below those amounts can use a conforming loan rather than a jumbo loan. If you are a first-time buyer, you can also explore 58 Texas first-time home buyer grants and programs to see how state and local assistance can pair with your mortgage.
Our team can help you check your eligibility, compare conventional and FHA options for your target price range, and get connected with a participating lender for a current rate quote.
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