For the year 2026, in Conroe county, located within Montgomery, TX, the FHA loan limitations are as follows: $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit buildings.
The maximum permissible loan amount under conventional loans for a single-family house is $726,200. For properties with two units, it's $929,850, for three units $1,123,900, and four units are capped at $1,396,800.
Leverage our FHA calculator to uncover the most advantageous rates today and calculate essentials like down payment, income, credit, reserves, and necessary documentation to be eligible.
The Lendersa® calculator allows users to weigh up FHA rates and terms against other loan program options. You are able to compare varied choices such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in contrast to FHA.
With Lendersa®, information on loan programs from a multitude of lenders is swiftly compared with your personalized financial profile and needs in seconds.
In the Loan Limits Comparison Table for 2026 in Conroe, part of Montgomery, covering TX, review FHA against Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money caps. To evaluate requirements like income, reserves, and credit, utilize 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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