In 2026, within the borders of Baytown county in Harris, TX, the limits for FHA loans are set at $472,030 for a single-family home. Two-unit residences can receive loans up to $604,400, while three-unit properties are capped at $730,525, and four-unit buildings have a maximum of $907,900.
When it comes to conventional loans, the limit for a single-family residence is $726,200. Properties with two units have a maximum loan amount of $929,850, those with three units are set at $1,123,900, and for four-unit homes, the limit is $1,396,800.
Our FHA calculator is designed to help you find today’s most competitive FHA rates. Alongside this, determine the necessary downpayment, assess income, evaluate credit, check reserves, and gather the documents required for qualification.
With the help of the Lendersa® calculator, you can compare the rates and terms of FHA loans against all other loan programs. Dive into options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, contrasting them with FHA options.
Lendersa® fetches data from thousands of lenders, allowing for rapid comparison against your exact financial profile and requirements.
The 2026 Loan Limits Comparison Table for Baytown county, part of Harris, TX, facilitates the comparison of maximum amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed analysis of qualification aspects like income, reserves, and credit, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is recommended.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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