For 2026, within Celina, Collin county, TX, the FHA loan ceiling is set at $531,300 for single-family homes, $680,150 for duplexes, $822,150 for triplexes, and extends to $1,021,750 for buildings with four units.
For conventional loans, the maximum amounts are $726,200 for a single-family residence, rising to $929,850 for two-unit properties, $1,123,900 for three-unit homes, and $1,396,800 for four-unit residences.
Utilize our FHA calculator to access current top FHA rates and calculate needed downpayments, income, credit scores, reserves, and requisite documents for qualification.
Through the Lendersa® calculator, you can examine and compare the rates and terms of FHA loans with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, side by side.
Lendersa® gathers extensive data from thousands of lenders and offers a rapid comparison against your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Celina, within Collin, TX, provides an overview of FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To evaluate qualification requirements including income, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $531,300 | $680,150 | $822,150 | $1,021,750 |
| 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 | $360,600 | $360,600 | $360,600 | $360,600 |
| 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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