In 2026, the FHA loan cap in Bay-City, nestled within Matagorda county, TX, is defined as $356,362 for a standalone home. The ceiling rises to $456,275 for duplexes, $551,500 for triplexes, and reaches $685,400 for buildings comprising four units.
Regarding conventional loans, the highest permissible amount for a single-family dwelling is $548,250. The limits adjust to $702,000 for two-unit properties, $848,500 for three, and $1,054,500 for four-unit residences.
To discover today’s prime FHA rates, utilize our FHA calculator. It aids in determining the necessary downpayment and evaluating income, credit, reserves, as well as essential documents to qualify for a loan.
The Lendersa® calculator facilitates comparison of FHA rates and terms against those of a diverse range of loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Broaden your loan exploration by analyzing these options.
Gathering comprehensive data from numerous lenders, Lendersa® can swiftly align this information with your specific financial circumstances to present well-suited options.
In the Loan Limits Comparison Table for 2026 within Bay-City of Matagorda, TX, evaluate the maximum amounts available via FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For contrasting detailed qualification criteria like income, reserves, and credit, employ Lendersa®’s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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