In 2026, the FHA loan limits for Breckenridge, within Stephens, TX, are set at $472,030 for a single-family home, $604,400 for two-unit buildings, $730,525 for three-unit properties, and $907,900 for residences with four units.
For conventional loans, the maximum amounts are $726,200 for single-family homes, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for quadplexes.
Utilize our FHA calculator to explore today’s top FHA rates and identify the essential down payment, income, credit requirements, reserves, and documents necessary for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms alongside those from various loan programs. Examine options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans against FHA choices.
Lendersa® gathers extensive loan program data from numerous lenders, allowing swift alignment with your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Breckenridge, Stephens, TX, showcases maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate necessary qualifications such as income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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