In 2026, the FHA loan limits in Beach-City, which is part of Chambers county, TX, are set at $356,362 for a single-family dwelling, $456,275 for a two-unit property, $551,500 for three units, and $685,400 for four-unit accommodations.
For conventional loans, the maximum amount for a single-family home is $548,250. For residences with two units, the limit is $702,000; for three units, it's $848,500; and four-unit homes have a cap of $1,054,500.
Utilize our FHA calculator to find today's best FHA rates and determine the necessary down payment, income, credit score, reserves, and documentation required for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of other loan programs. Delve into options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Gathering data from thousands of lenders, Lendersa® instantly aligns this with your personal financial situation and needs for a customized analysis.
For 2026 in Beach-City, within Chambers, TX, the Loan Limits Comparison Table reviews FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. For further comparisons on criteria like income, reserves, and credit, explore Lendersa® 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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