In 2026, FHA loan limits in Center, found in Shelby, TX, are $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans is $726,200 for single-family residences, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to find today’s top FHA rates and figure out the necessary down payment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. Evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® gathers data from thousands of lenders to quickly align it with your financial profile and needs.
For 2026 in Center, Shelby, TX, the Loan Limits Comparison Table offers insights into maximum loan amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use Lendersa®’s Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit.
| 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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