For 2026, FHA loan limits in Austin, situated in Travis county, TX, are: $571,550 for a single-family home. For a property with two units, the limit stands at $731,700, moving to $884,450 for three units, and reaching $1,099,150 for four-unit structures.
The maximum allowable for conventional loans on a single-family home is $726,200. For residences with two units, it becomes $929,850; for three-unit homes, the cap is $1,123,900, and for four units, it is $1,396,800.
Use our FHA calculator to find today’s most advantageous FHA rates and calculate your required downpayment, income, credit, reserves, and necessary documents to qualify.
The Lendersa® calculator allows you to compare FHA rates and conditions with those of other loan programs. Investigate options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
By accessing data from thousands of lenders, Lendersa® matches these options with your individual financial profile and needs efficiently.
The Loan Limits Comparison Table for 2026 in Austin, Travis, TX provides detailed comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum amounts. To evaluate qualification needs including income, reserves, and credit, consult the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $571,550 | $731,700 | $884,450 | $1,099,150 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $386,400 | $386,400 | $386,400 | $386,400 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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